davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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: STATE EMPLOYEES CREDIT UNION (NC)

In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Block and delete the fraudulent items listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number : XXXX. Please remove.
Consumer complaint received 2023-02-08
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (WI)

My wife and I had a car loan through XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the loan was sold to Truist Bank. Truist bank gave us little to no notice that the loan was sold and we were set up on auto pay with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They did email my wife which went to her spam, and called her and they left a message while we were on vacation. As soon as we noticed the money had not been coming out we squared up the balance with Truist bank. We also asked them how to clear our credit history of any missed payments, due to the fact that we felt were not at fault. We were told to reach out to the credit burrows individually and dispute the record. This did not help. What can we can we do?
Consumer complaint received 2023-05-12
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. (FL)

To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. (CA)

I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

JPMCB XXXX XXXXXXXX
Consumer complaint received 2023-01-03
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)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.
Consumer complaint received 2023-01-03
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. (CA)

This is my endeavor AGAIN 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. 
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 : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-01-03
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. (NV)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX  has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (CA)

XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been ruthlessly targeted by identity thieves, and I am filing this formal complaint to address the outrageously fraudulent information infesting my credit reports. It is important to note that the following items have absolutely no connection to me, and I vehemently declare that I have neither benefited from nor authorized any transactions involving them. The TransUnion, XXXX, and XXXX Credit Bureaus have displayed a shocking disregard for the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by recklessly perpetuating unverified information without presenting any semblance of proof within the legally stipulated timeframe. This relentless and unauthorized reporting is an intolerable violation. Provided below are the specific items currently polluting my credit reports : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. As an afflicted consumer, I assert my unequivocal entitlement to accurate and just credit reporting. Regrettably, it is abundantly clear that the credit bureaus have flagrantly failed to fulfill their obligations in this crucial matter. The presence of fraudulent items on my credit report not only tarnishes my credit score but also severely hampers my ability to secure much-needed credit opportunities.
Consumer complaint received 2023-01-02
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. (FL)

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXX {$1300.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-07-04
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. (GA)

My identity has been stolen and used. I have a collection for XXXX XXXX and several inquiries that need to be deleted immediately. My identity theft report has been attached below.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

In XXXX of 2022 I noticed my mortgage payment went from {$540.00} to {$1900.00}. I called them to find out why and was informed that my property taxes increased. I called the state, who informed me that the mortgage company made a mistake and charged me too much. I sent the tax information to my mortgage bank and was told they would run a new analysis. I called back multiple times and was told they havent gotten to it yet. XXXX XXXX of 2022 the bank called me to tell me they had made a mistake and my payment would drop back to {$590.00} but not until XX/XX/2022 and I was responsible to pay the higher payment and back payments. They chose to enroll me into their loss mitigation program but sent the forms without my knowledge while I am away from home for work. They would not send new forms where Im stationed for work and decided to stop the loss mitigation program for me. They have admitted to fault but are still charging me {$1900.00} and have destroyed my credit. This is a loan with XXXX XXXX, I have spoke with them on numerous occasions with them telling me there is nothing they can do and I just have to deal with it now.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At the end of XXXX beginning XXXX, I noticed there was a $ XXXX monthly maintenance fee on my account that wasnt there before. I contacted Bank of America about this ( cant recall exactly the month but pretty sure it was XXXX ). They told me ebanking accounts had been removed and now fees had become applicable. I contacted them again this year because I figured grandfather clause applied here. Still, nothing was change and I was told I would just have to deal with it. It wasnt until I talked to my father about it when he told me as a student, I shouldnt have been paying for it either since the student discount was on my bank account. With that information, I called Bank of America XX/XX/XXXX and they admitted to be at fault after lookin through my account. They agreed to refund me up to a year and refused to give me the rest. I told them that I had been trying to solve this problem and they said it didnt matter, its only up to a year
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Per lease agreement we were out by XX/XX/2019 but statement says moved XX/XX/2019. We never received anything 14 days after koving out of apartment showing us damage, pictures, anything because there was none. They kept our deposit which was fine we thought to clean and repaint and the little things. Now we are receiving collections from Columbia Debt Recovery stating we owe almost XXXX it was about XXXX but in my dispute with them they removed interest bc they found it charged incorrectly. If interest was incorrect wouldn't charges be because we were never late. I disputed that charges are fraudulent trying to come after us 3 years later after XXXX the manager did them all dirty and left them with a mess. She told us we would not be charged except cleaning and took a co p y of our keys and we initialed when moved out that is all. Now 3 years later here is rent charges and damages etc. Columbia Debt told me too bad that XXXX validated with a statement of charges showing no date of the statement which should have been within 14 days of move-out but document has no date ( weird right ) usually statement shoes date created or printed. It shows I had a credit XX/XX/2019 of XXXX and all these charges and subtract my deposit and boom I owe now almost XXXX with no interest because interest was incorrectly billed. Then they show me a document which I had never seen or signed that I stated we were moving out XX/XX/2019 signed by XXXX on XX/XX/2019. That document is forged and I did not and I repeat did not use a form like that or give them any form like that. We wrote them a letter and hand delivered that to XXXX in XXXX. This is crazy and I have read other reviews and from people who have sued them how they have forged names and created documents that tenants never signed or seen themselves. I have a family we was moving from an apartment to a house and now 3 years later all this supposedly happened. This is fraud.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Opportunity Financial, LLC (NM)

On XX/XX/2022, I began the debt consolidation process with a company. On XX/XX/2022, I emailed XXXX requesting to freeze card and close the account. XXXX replied on XX/XX/2022 stating they could close the account, but XXXX never closed the account and it is still accruing interest to date and reporting negatively on my credit report. The debt consolidation company can not begin negotiations until the account is closed for collection. XXXX is the only creditor who has not complied with my request for account closure.