davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (MD)

TransUnion has been reporting the following accounts that XXXX XXXX is providing falsely XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. TransUnion is an not affiliate of XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and today is XX/XX/XXXX. I'm reaching out because I've discovered that I'm a victim of identity theft. Upon reviewing my credit report, I've noticed unauthorized credit card accounts, inquiries, collections, and late payments that were made without my knowledge or consent. It's imperative that these fraudulent activities are addressed promptly to mitigate any further damage to my credit. I kindly request your assistance in removing these unauthorized accounts, inquiries, collections, and late payments from my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-10
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. (GA)

XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Consumer complaint received 2023-08-11
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. (GA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-08-11
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Consumer complaint received 2022-10-23
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. (AL)

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and i want them off because its fraud these people just get in on my nerves and I have completed a police report and included the FTC report with this complaint along with XXXX forms of ID. Please delete this information from my credit report.
Consumer complaint received 2022-10-23
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 XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-08-11
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. (FL)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. XXXX XXXX
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MI)

On XX/XX/2022, I sent a domestic wire transfer of {$70000.00} to Binance US. Binance has restricted my account. I have requested a wire transfer recall from XXXX. XXXX has notified Binance of the wire transfer recall to my XXXX checking account ending in XXXX. Binance is not cooperating and is not returning my funds. My {$70000.00} in funds are being held by Binance with no reason. I only want my funds returned to me immediately. Here is the information for the wire transfer to Binance US. 
XXXX XXXX XXXX XXXX XXXX XXXX BAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MAGGUILLI LAW FIRM, PLLC (RI)

A letter was sent to me in XX/XX/2022 to my previous address. It was from a law firm, Magguilli Law Firm , PLLC from XXXX, NY attempting to collect a {$1500.00} debt on behalf of XXXX XXXX XXXX XXXX. They wanted me to contact the Law firm and to make a payment through their website XXXX
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Well over a year ago I sent over 40 pages of documentation to each credit bureau XXXX, TransUnion, and XXXX. I have also previously filed a complaint with the CFPB. This information was from XXXX and contained police reports filed by me, an FTC identity theft report filed by me, and documents filed by my attorney in court. I still retain all of this information and copy of all is again provided to you here. 

I was a victim of severe identity theft of all assets during my divorce that began on XXXX XXXX XXXX valued at approximately XXXX XXXX dollars. Everything was stolen from me including all financial information, all money, all personal, marital, and inherited assets. 

On XX/XX/XXXX I was placed under a XXXX XXXX XXXX order by the court in XXXX XXXX NC and my husband was removed from our marital residence for XXXX  year. Immediately after this court decision, my husband and the paramour engaged in an elaborate criminal scheme to steal all assets and use them for their own financial gain. 

Beginning XX/XX/XXXX, I no longer had control or access to of any and all of my credit cards, bank accounts, account numbers, or passwords. I did not make any charges to these accounts after that date. My husband and the paramour had my social security number, my birth certificate, my drivers license, and my mothers maiden name. The paramour assumed my identity and pretended to be me, accessing all my credit card information, forwarding my mail, and using my accounts as her own. 

During XXXX, I also hired and paid approximately {$1200.00} to XXXX XXXX XXXX yet they too failed to take any action on my behalf. 

The persons responsible for all charges made on my accounts after XX/XX/XXXX were my x husband, XXXX XXXX XXXX of XXXX XXXX, NC, and the paramour XXXX XXXX XXXX of XXXX, VA. 

After sending all verification of proof of identity theft to all three credit bureaus they too also failed to verify the information. 


According to the law U.S. code 1681i. Procedure in case of disputed accuracy : if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Ok Im escrowed in and on XX/XX/XXXX ditech sent out XXXX dollars to XXXX County tax office. They had the parcels mixed up and paid lot number XXXX taxes instead of lot number XXXX which is mine.. I got 2 notices in the mail that my taxes were not paid so I called and did all the foot work myself to figure out where the payment was messed up and what happen. Well ditech sent out my payment of XXXX dollars on XX/XX/XXXX to pay my taxes and they fixed my parcel number in the system. Now they are charging me for the money they sent out incorrectly and making me pay the difference until the refund from the county comes through. I have spoken to the tax office and they have already refunded the money to lot number XXXX because ditech paid XXXX then her mortgage company paid so they refunded the second payment that came through which happen to be the wrong one. Tax office told me that they have already sent a refund and it is out of there hand and ditech keeps telling me they are waiting for a refund and until it comes through I will have to continue paying the larger amount to cover there mess up. I didnt make the wrong payment so why am I being held responsible for paying for another person or companys mess up.
Consumer complaint received 2022-10-23
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 XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX, part of the XXXX corporate company, is refusing to remove an incorrect account from mine and my XXXX XXXX  credit reports. We have filed XXXX disputes with each credit reporting agency in 18 months and XXXX XXXX to admit the discrepancies and incorrect information. The debt we owed was satisfactorily paid in full in XXXX XXXX and paid directly to XXXX XXXX. This debt, after it was paid, was reported as a derogatory " Other Loans '' account on all XXXX of our credit reports for both of us. This account & debt was never a loan of any type nor did we sign any documents or contracts that said the account was a loan. Also, I have provided ample documentation and information to XXXX in these disputes that I was only the authorized user on the account and that my husband was the main account holder. The original XXXX account was opened in XXXX, XXXX entire year prior to meeting my husband for the first time. I was added to the account as an authorized user in Fall XXXX ; therefore, at minimum this account should be removed from my XXXX credit reports.
Consumer complaint received 2023-08-11
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. (TN)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare ( XXXX ) received transfer of loan in XXXX. The loan was transferred with a surplus of {$980.00} escrow. 

Loancare has not advised of how the escrow surplus was allocated. 

State of California HAP program sent funds to cover XX/XX/XXXX through XX/XX/XXXX mortgage payments. The funds were sent over 3 weeks ago. 

State of California has reached out to me requesting LoanCare provide confirmation that funds have been applied. However, LoanCare continues to report me as delinquent ( violation of RESPA 60 day reporting rule ) and has not applied the funds to bring my acocunt current. 

I have made 50 plus calls and emails to LoanCare requesting they provide confirmation as to how HAD funds have been allocated. 

All my requests are given the response of loncare needs more time to apply. Meanwhile, Loan care shows me as 90 days delinquent on my loan in which I have already requested and received help to bring current. 

My concern now is that LoanCare reported me as late and although they received HAF funding, they are not applying to my acocunt in a timely manner. 

I now have late fees imposed by them, am being reported late by them while the State sent them funds to bring me current weeks ago.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

Around XX/XX/XXXX, I logged on to make a payment to my Amex account. I was experiencing financial turmoil at the time, so I assumed the balance was maxed out, or closed to being maxed out, and that my minimum payment would only tread water. It had a {$2000.00} limit, so I was surprised when my current balance showed over {$4000.00}, and that my minimum payment was almost {$300.00}. My statement showed that multiple cash advances were made from ATMs, and that payments were subsequently made to continue doing so. These payments were made from bank accounts added to my account without my knowledge, as they did not belong to me. Then, these payments were returned. Amex conveniently updates its balance before it receives the actual payment, assuming the customer has it. Multiple were from XXXX  XXXX XXXX, a place Ive never banked at, the other was a bulk payment from XXXX, apparently a bank based out of Texas. Ive lived in Michigan my entire life ; Ive never even traveled to Texas. Needless to say, I called Amexs fraud dept. They assured me they would open an investigation and I wouldnt be held responsible for these charges. They relayed that they would call me back the following day so they can go over what they discovered. The following day they confirmed these were in fact fraud, and that Ill slowly see the charges fall off. And they started to. However, my payment was due and that I needed to make the minimum. I explained to them that money was tight, and that I only had enough to make the minimum payment ( before these charges, that is, which was {$62.00} ). Amex, however, wasnt satisfied with that. They said I needed to make the full {$300.00} minimum payment now. Since I couldnt, they closed the fraud investigation and closed my account the next day. It now shows as a serious delinquency on my credit report. Ive since asked Amex in XXXX of XXXX to send me an entire copy of my statements, including payments, transactions, and returns, to which they reiterated that it would be emailed in XXXX. It never came. I have attempted to dispute this twice through XXXX, which they claim the information is accurate. Amex has since charged off the debt and is unwilling to help me in any capacity, as they claim they no longer have the information pertinent to the account.
Consumer complaint received 2023-08-11
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. (NY)

I HAVE A BUNCH OF HARD INQUIRY ON MY REPORT THA SHOULD NOT BE THERE SHOULD NOT BE THEREON MY REPORT
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Consumer complaint received 2023-01-02
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)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.