davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XXXX XXXXXXXX XXXX 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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I do not recognize or understand how these accounts are reporting. Please remove from my credit report immediately. 

The inaccurate reporting is a volition of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CO)

I have requested information from rent recovery regarding this collection and have received no response. 

This debt does not belong to me. As I was involved in a XXXX XXXX situation with my ex husband at the time I lived there in XXXX of 2022. I filed a police report with the XXXX XXXX XXXX department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My daughter and I were in a XXXX XXXX XXXX and I moved out XX/XX/2022. Per XXXX XXXX XXXX XXXX I vacated the property without a written notice. I notified XXXX at the XXXX XXXX XXXX XXXX in XXXX of 2022 They were instructed to remove me from the lease and I provided them with the police reports. My ex husband was obviously still living there, but was not to contact me. XXXX from the apartment complex assured me due to the XXXX XXXX XXXX XXXX XXXX  I would be removed from the lease. I was not notified of any amount owed or the eviction my ex, because I wasn't living there nor was I on the lease any longer. 

This is NOT my debt owed, and I want this removed immediately from my credit report. 

Ive included a letter that I recently received from Rent recovery for your reference of account information Ive also included the police report of the XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-05
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. (FL)

The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

In XXXX of 2023 I tried to make a payment on the Carrington Mortgage Services , LLC App. I could not because the blocked my credit account for no reason. I called Carrington Mortgage Services, LLCs customer service to unblock my account they said they did and proceeded to place my monthly payment over the phone, that payment was processed successfully through the phone operator. Im trying to pay my monthly mortgage payment with Carrington Mortgage Services , LLC in XXXX and I can not because they are still blocking my Credit Account. They are blocking me on the App and on their Website. I can not make my mortgage payment on time while they are continuously blocking my credit account to make the payments.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (VA)

I have multiple loans with inaccuracies, and need to hold the companies to the law. In this case its Harley Davidson Finance, the loan was paid off on XXXX XXXX and as of today XXXX XXXX its listed as late and open. along with multiple other discrepancies on dates and amounts owed.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I tried to contact XXXX and Equifax about XXXX XXXX and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up my previous dispute on certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-06-01
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2022-11-21
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. (NM)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (AL)

I consolidated this loan from two loans of {$2500.00} each. Total of {$5000.00} borrowed. The loan was in forbearance for a number of years because I was not working. This caused it to increase to {$18000.00}. I have been paying on this loan for 7 years with an average payment of {$200.00} per month and the amount keeps increasing. I now owe {$26000.00}. This to me is unfair and abusive practice. It appears all payments are going toward interest only and at this rate I will be paying well into my retirement as I am approaching retirement age. Will I have to continue making payments well into retirement? At this point when will this debt be satisfied? According to my calculations I have paid this loan 3 times over. MOHELA is the loan servicer name. Thank you for your attention to this matter.
Consumer complaint received 2021-01-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6100.00}, {$1800.00}, {$450.00}, {$6400.00}, {$310.00}. 
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 finance 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 Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

6. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2021-01-01
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. (NC)

I tried to contact experian and XXXX about regional acceptance and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am disputing the following account, pursuant to 15 USC ( e ) ( b ) 1. XXXX XXXX # XXXX This account reports different from the other XXXX major credit bureaus, which is a violation of the FCRA
Consumer complaint received 2022-12-29
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (FL)

In late XX/XX/2020 I lost my job and have been out of work since due to Covid-19, I was unbale to make a payment for XX/XX/2020. I have spoken to a few agents since XX/XX/2020 an agent explained that they are able to defer 3 payments to assist with the loss of income I even received a letter explaining such said agreement therefore I was under the impression that my account will go to normal and late payments will be removed. Moving forward to XX/XX/2020 I call to make sure everything was squared away at this point an agent advised that in fact I did not qualify for this program and that I must make a payment for XXXX XXXX if not they will once report to my credit. Knowing that I am without work and I have been experiencing hardship. I immediately made these payments to make sure that this will not keep affecting my credit. 

My overall credit history is excellent, and this has a negative impact on that. Since these notations do not reflect my overall credit worthiness, I've have sent 3 fax and one mailed letter kindly requesting that they give me a second chance at a positive credit rating by revising the XXXX late notation and adjusting these with the Credit Reporting Agencies. And not once has Td auto contacted me. 

Please let me know if any additional documentation would assist you in reaching a positive outcome, and I thank you for the time you have spent reviewing this matter.
Consumer complaint received 2020-12-31
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX Chapter XXXX bankruptcy dismissed XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
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. (TX)

Account has been closed since XX/XX/XXXX. Company is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.
Consumer complaint received 2024-03-25
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. (PA)

Company is illegally furnishing fraudulent information to my consumer report. 

Account : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2022-12-30
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. (TN)

I have filed an FTC complaint. Report # XXXX It's illegal to furnish income on a consumer report. A Charge-off, according to the IRS, is income and the company must file an 1099-C.

PLEASE REMOVE ACCOUNTS BELOW DUE TO INACCURATE REPORTING Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account numberXXXX Charge-off XXXX  Account XXXX Charge-off XXXX XXXX XXXX  Account number- XXXX Late Payment XXXX XXXX XXXX XXXX Account number- XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MI)

*I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number I have on file with them* Hello, I registered an account with Coinbase in XXXX of 2020. 

Email XXXX phone number ( XXXX ) XXXX XXXX enabled from XX/XX/XXXXdevice where phone number was assigned to Mid XXXX I deposited {$500.00} into a Bitcoin atm in XX/XX/XXXXMichigan to my Coinbase Bitcoin wallet address. 

In XXXX my girlfriend and I split up and she stole my device and hacked everything that I used to register with my account. 

I have no access to anything I created my Coinbase account with, nor the device itself. 



I made contact with support team in XXXX through a different email I no longer have access to. 

Coinbase wanted me to send a selfie video from the device 's IP address.I explained in XXXX the problem from a different email was that my device is stolen so I don't have the same devices IP address, only the phone number. I made the complaint about that and never herd anything back. 

I have made one last attempt to email them from ( XXXX ) in an attempt to gain access to my trust account. 

Please, please help resolve this issue for me. Please I really need my money right now more than anyone. 

Thank you, XXXX XXXX XXXX *I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number that I have on file with them*
Consumer complaint received 2018-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I contacted Quicken Loans about possible considering a home equity line of credit. XXXX XXXX, who was assisting me, obtained my private information and at no time told me she was going to pull my credit. I monitor my personal credit daily and at no time during the conversation did I advise her to pull my credit. What she did was illegal and unauthorized. If the phone call was recorded, at no time did I authorize XXXX XXXX or Quicken Loans to pull my personal credit.