davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Bridgecrest cites the date last paid is XX/XX/2020 when my last date of payment is XXXX they are re-aging debt- they and XXXX and thats illegal . Per 15 U.S. Code 1681s ( a ) 1 ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

XXXX is wrong and is infringing on my rights. This IS NEW AND RELEVANT! I deserve a fair investigation.
Consumer complaint received 2023-07-09
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)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/2022
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MN)

MRB BPO LLC has filed a collections for {$110.00} for " overdue debt from XXXX  '' at an address that I have never lived at nor had a lease. I have requested detailed information from MRS BPO LLC on the alleged debt and they did not provide any details. I called back and requested details again and they hung up. I have contacted the property management company for the apartment complex at the address and they have provided proof that I have never lived there. I have filed a dispute for this collection acquisition with XXXX, XXXX, and XXXX- the documentation from the apartment complex was attached to the disputes as supporting data. XXXX and XXXX have completely removed both the collections due as well as the associated address for the collection claim. My credit report is now accurate. I am filing this formal complaint against MRS BPO LLC in order to re-submit my dispute to have the fraudulent collections removed from my credit report.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX. XX/XX/2023 I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: FIDELITY CAPITAL HOLDINGS, INC (MD)

In accordance with the Fair Credit Reporting Act, [ FIDELITY INFORMATION CORPERATION XXXX ] has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-07
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I move-in XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX. I stay my full year with all kinds of problems with unit. They change managements 3 times in 1 year. Upon leaving the properly XX/XX/23 I did a walk though with XXXX XXXX ( XXXX XXXX Manager ) to make sure that everything was clean and better than I arrived at the unit, so I could not get charge for something CRAZY and get my security deposit back with no problem. XXXX XXXX assure everything was good and I will get a bill mailed to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX within 3 to 5 days. I never received anything by mail, on XX/XX/23 I email XXXX regarding for a bill and she said that there system email me 3 times. I have no email and ask then can she give me something to show they tried to email me. Her respond was no. I said that not right, system are not always corrected. So she email a bill with the wrong {$1200.00}, I sent a copy of the paper work she gave me about my balance with the walk though. She then went back to check and reduce my balance to {$400.00} I agree and purchase a money order. XX/XX/23 I received a email from Hunter warfields company about a debit from XXXX XXXX for amount of {$790.00} case was open XX/XX/23. I advised them that this is not true and I have email and copy of money order. I would be willing to pay {$400.00} only. They advised to send all information to claims departments, then they would contact XXXX XXXX XXXX XXXX and get back with me. Nobody has contact and its still show a negative on my report. Can someone please help, It has made it hard for me to get another place after a year because of this foolishness that I did everything to sure that this did not happen.
Consumer complaint received 2023-05-02
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my credit report with Equifax. alot of invalid data is errors made by the creditors. this is my 2nd attempt to process disputes on these items. none of the listed data is correct on all 3 credit reports. please review an delete all information listed on the files asap.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.
Consumer complaint received 2023-02-27
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. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX.. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( 2003 ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, TransUnion, XXXX this account is in violation and therefore needs to be completely removed. 

Transunion did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and denied of opportunities because of this inaccurate information.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX payment to XXXX XXXX ( XXXX ) XXXX for {$100.00} on XX/XX/23 at XXXX XXXX XXXX payment to XXXX XXXX email : XXXX for {$50.00} on XX/XX/23 and another one for {$45.00} on the same day and same person
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NH)

Urgent action needed NFCU and XXXX  XXXX are aware of the Urgency and delicate situation of XXXX XXXXXXXX with my husband, their negligence in providing an agreement caused me to possibly loose my home my husband and his lawyer took advantage of me ( I dont have a lawyer ) I ( am the victim ) and lied to the judge an order of selling my home was placed as neither the mortgage company NFCU XXXX XXXX XXXXXXXX ( both refused ) to write a letter to say pending or status. On XX/XX/XXXX they send an agreement of deferral payment and I agree but the process involves my husband my abuser signature and he wont do it he wants the home sold to punish me as he was found guilty sentence and charged for XXXX stalking. I want to to over the mortgage payment he has not reside or pay the home since XXXX and abuse me by controlling the acces to the mortgage account. The Bank and program are aware of the severe financial hardship he caused me as welll of my health. I am low working the grant is approved since XX/XX/XXXX but the judge ordered to sell. I need urgent help by XXXX or I loose the grant and my home becoming homeless and the abuse from him continues. I am recovering my financial independence and o need urgent attention.
Consumer complaint received 2023-08-18
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. (CA)

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 XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXX # XXXX, has 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 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NEW CITY FUNDING CORP. (NY)

There is an auto loan that was taken out on XX/XX/2018 in the amount of {$5600.00}. The loan is through new city funding. It was partially paid then charged off. This is not my account and most definitely fraud. You cant even buy a new car for that price. It shows that its an SUV. I have never owned an SUV in my life. I disputed it, but the company maintains that its my loan without providing the proof Ive requested. They simply ignore me.
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC (TX)

On XX/XX/2022, sent and verified via Certified Mail, Angel Oaks Home Loans LLC received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a XXXX  day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the XXXX  day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request. They have acklowelded my request but have not done what is required under the Truth in Lending Act.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2023-09-10
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 have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I

received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 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. 

Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct XXXX XXXX XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX XXXX has 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.

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.

These inaccuracies are stopping me from being able to get a new home for my family.
Consumer complaint received 2023-09-10
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)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions