davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Someone got a car loan for a XXXX XXXX XXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXX XXXX pl XXXX, Tx XXXX Account : XXXX XXXX
Consumer complaint received 2023-09-06
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. (TX)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MO)

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive been trying to dispute these account Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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. 

XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX  XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX Atlanta police department : Approved by XXXX XXXX Report number-XXXX Each account has been investigated by the Atlanta police department and declared as fraud
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXXBalance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$6400.00}.
Consumer complaint received 2023-09-06
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. (NV)

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. Please delete these accounts ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.
Consumer complaint received 2023-09-06
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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. (IL)

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX STATE OF MI XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX  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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-06
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Best Service Co.,Inc (ND)

I am writing to express my grave concern regarding a debt that you have reported to all three major credit bureaus under my name. I must make it absolutely clear that I have no agreement with Best Service Company. Your reporting of this unsubstantiated debt has not only harmed my credit score but has also caused me to incur higher interest rates, resulting in significant financial hardship for me and my family. 

Further, despite lacking any proof of my obligation to this debt, I was compelled to make a payment of {$290.00}. This payment was made under duress, given the adverse impact of the unvalidated tradeline on my financial situation. In light of this coerced payment, I demand that the account in question be deleted from the records of all three major credit bureausXXXX  XXXX, and XXXXimmediately. 

I hereby demand the following immediate actions : Debt Validation : I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity. 

Removal from Credit Reporting and Account Deletion : Given the absence of any verified agreement or debt owed on my part, and considering the forced payment of {$290.00}, I insist that you immediately remove all related reporting from XXXX, XXXX, and XXXX and delete the account entirely.
Consumer complaint received 2023-04-18
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. (TX)

When I investigated my updated credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-06
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. (AR)

I am writing to file a formal complaint against XXXX And Transunion Credit Bureaus, a credit reporting agency that has provided inaccurate personal information on my credit report. Clearly I found the inaccurate information that appears on my credit report and it seems possible not belongs to me. I have previously disputed these inaccuracies with the XXXX and Transunion credit reporting agencies. I am requesting to you that the credit reporting agency will promptly removed the inaccurate personal information on my credit report and provide me with an updated, accurate credit report without those inaccurate information that doesnt belongs to me. I believe that the inaccuracies on my credit report are affecting my financial well-being and creditworthiness, and I kindly request that the CFPB investigate this matter and take the necessary steps to ensure the accuracy of my credit report. The personal details and the inaccuracies on my credit report are as follows : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NV)

I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX  in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Consumer complaint received 2023-09-06
Product: Credit reporting 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 have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} XXXX, Experian ( Negative Remarks ) XXXX  XXXX : {$200.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, XXXX, Experian ( Negative Remarks ) Collections : XXXX XXXX XXXX {$480.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX {$130.00} XXXX, XXXX
Consumer complaint received 2023-09-06
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. (TX)

I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} TransUnion, XXXX ( Negative Remarks ) XXXX  XXXX : {$200.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX, TransUnion, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, TransUnion, XXXX ( Negative Remarks ) Collections : XXXX XXXX XXXXXXXX {$480.00} XXXX, Transunion, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$130.00} XXXX, Transunion
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Tactical Mortgage LLC (NC)

I started my home process With Tactical Mortgage. 
I was approved for XXXX My was for a 30 year Fixed FHA Loan I was advised to put down {$10000.00} Due Diligence fee. 
Up until underwriting I wasn't told I needed anything to put down towards closing. 
I kept asking and was advise that they are still running numbers to give me an amount. 
Two weeks before Closing I was advised that I needed another XXXX for closing. 
I responded and ask why and that I'm confused on why I have to put down so much more at such a short time frame. Then was advised that XXXX is durable and can work something out I also advised it was impossible and the agent ask if I could at least come up with XXXX. I said I can try. I manage to come up with XXXX the week of closing. 
To find out that they terminated my contract and I loose my house and XXXX I put down. After speaking with other loan companies. I was advised that with my income alone I should have never gotten approved for the amount of the house.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2023-09-06
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. (NY)

I am a living human being, I have rights under 15 USC 1681.Equifax is governed by 15 USC 1681 and they violated my rights numerous times I demand that the account listed below be removed ( XXXX XXXX XXXX XXXX XXXX  ) .According to 15 USC 1681 I have the right to privacy and did not give XXXX permission to furnish these accounts thereby inhibiting my afforded fair credit reporting.