davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
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: Colony Brands, Inc. (LA)

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
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: EQUIFAX, INC. (GA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (GA)

I purchased my vehicle on XX/XX/2018 in XXXX, IL. The car dealership went with Exeter finance which gave me a loan for 25.36 % My credit score was XXXX when I purchased the vehicle. Ended up paying {$700.00} monthly for a XXXX base model XXXX XXXX. Illinois law in 2018 was you could not charge more than 20 % financing. I was charged well over that. Ive contacted the office of the Illinois attorney general & was advised theyve made contact to the finance company. That I should be receiving an offer from the finance company. That was in XXXX, Ive attempted to contact Exeters legal department & was told they correspond only my letter or email. Ive been told they do not do refinancing. Ive been forced to push my loan back an additional 4 months just to not loose my vehicle. I feel like Ive been taken advantage & just being given the run around. At the end of the loan I would have paid over {$50000.00} for a {$25000.00} car.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am reporting XXXX, Experian, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.
Consumer complaint received 2023-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX XXXX collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!
Consumer complaint received 2023-02-28
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. (DC)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2017-03-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.
Consumer complaint received 2023-02-28
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. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2023-02-28
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. (TX)

My name is 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 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (VA)

Ticket numbers : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just some of the ways I have tried contacting American Financial Resources about getting our property taxes paid. I contacted them via phone multiple other times with no help in getting our taxes paid. The customer service representatives only stated " it was a process ''. Our property taxes are now 3, almost 4, months over due. We keep getting notices in the mail from the XXXX County VA Treasurers Office. I have emailed the notices straight to our loan company with no response. 

XXXX of XXXX our loan company failed to pay our home owners insurance blaming it on our closing lawyers office. It stated in the paperwork our home owners insurance and taxes were only paid in full for 3 months then the responsibility fell to our loan company. 

We have had issues getting in contact with the loan company. I have called and left voicemails and sent multiple emails.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Stolen wallet in XXXX California XXXX XX/XX/2023. XXXX included SS Card and all debit cards and California Drivers License. Steps take to stop all cards with banks. On the morning of Friday XX/XX/2023 I was notifed of a HARD INQUIRY on XXXX. from Capital One I did not make any credit applcations wit Capital One or other company.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX  Bank  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX Bank XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 and XX/XX/2021 and XX/XX/2021 XXXX/XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 XXXX  XXXX XXXX Auto Financing XX/XX/2021 Experian XXXX XXXX Credit Union XX/XX/2021 XXXX
Consumer complaint received 2023-02-28
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. (NC)

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 XXXX 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, 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. I hope the following items will be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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: CITIBANK, N.A. (CA)

XX/XX/XXXX There is an 'AUTOPAY '' for {$160.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

XX/XX/XXXX There is an 'AUTOPAY '' for {$210.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

I NEVER RECEIVED A CARD ENDING IN XXXX, XXXX, ANYTHING AFTER CARD ENDING IN XXXX -- I DID NOT GET. 

Can you read? Do you understand what I just wrote? 

I. DID. NOT. RECEIVE. ANY. REPLACEMENT. CARD. AFTER. XXXX. 

YOU made me pay for a fraudulent charge. YOU owe me {$160.00} that I had to pay for on XX/XX/XXXX because YOU CONTINUOUSLY FAILED TO REMOVE FRAUDULENT CHARGES FROM MY NAME AND HAVE IMPACTED MY CREDIT SCORE NEGATIVELY Do you understand? Can you comprehend the timeline of events that I have explained to every single representative since XX/XX/XXXX? 

I PAID OFF MY CARD IN XX/XX/XXXX AND NEVER USED IT AFTERWARD Actions taken by Citi : NONE Your company of morons NEVER opened any dispute, as each time I'd call, your representatives would tell me " oh, we're sorry to hear that sir, we'll get a dispute opened up for you, '' AFTER I JUST SPOKE WITH SOMEONE A WEEK PRIOR WHO TOLD ME THEY WOULD OPEN ONE UP. 

Your company would pass me from one department to another ; Customer Service, Disputes, Fraud Early Warning, Collections, and EVERY SINGLE REPRESENTATIVE WOULD SAY I NEEDED TO BE TRANSFERRED TO SOMEONE ELSE Your company would tell me that my balance was showing {$0.00}, and that I had nothing to worry about. I had to discover that your dimwitted system reports to creditors one linked account ( open since XXXX ), but for some idiotic reason, you create new 'accounts ' with each newly issued card so that your morons have no idea what they're looking at when I tell them that idiotic Citibank has issued/created 5+ account numbers AFTER XXXX, INTENTIONALLY MAKING EVERYTHING SO DIFFICULT TO KEEP TRACK OF Your company to this day has failed to open and process a dispute regarding the remaining amount that was on my report, MADE ME PAY, AND STILL HASN'T TAKEN OFF MY REPORT Your company allowed someone to change my security word, address, bank account number, phone number, email. I NEVER CHANGED ANY OF THIS INFORMATION. I HAVE HAD THE SAME INFORMATION SINCE XXXX. 

Your company allowed XXXX XXXX XXXX to be added AND MAKE UNAUTHORIZED PAYMENTS. I HAVE TOLD EVERY SINGLE REPRESENTATIVE I DID NOT AUTHORIZE THIS ACCOUNT OR EVER AUTHORIZE PAYMENTS FROM THIS ACCOUNT!!!!!
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off my auto loan XX/XX/2016 before that time like the rest of America I went through some finanacal hardship and the car was reposed but I paid that balance and was in dispute with XXXX about administrative fee 's in the amount of {$350.00} that was added on after I paid everything they had put in writing. because of this every month when I made my car payment XXXX reported me as being late. I printed documents and uploaded them to Trans Union and the XXXX other credit agencies. they acknowledge the inaccracies but the are reporting the paid in full loan as a bad debt.
Consumer complaint received 2023-05-14
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX  XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A The three accounts listed above were all charged off. Although they are all charged off Experian is still listing the accounts as " past due " each month after the charged off dates.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX : Original Creditor- XXXX XXXX XXXX- {$370.00} XXXX XX/XX/XXXX Account Number XXXX Midland Credit Managem : XXXX XXXX XXXX Amount- {$520.00} Opened XX/XX/XXXX Account Number XXXX