davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around XXXX different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Consumer complaint received 2023-12-09
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. (FL)

Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a XXXX XXXX  Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX delete this account not mine. 
c XXXX XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account # XXXX  Delete this account not mine f ) XXXX XXXX Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX  ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You XXXX XXXX
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has closed my account with notification, warning, or apparent reason. This is very problematic because Capital One made material advertising that the account could be used to improve my credit. However, the opposite is true when Capital One arbitrarily closes the account.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-05
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. (MI)

I have disputed this account 3 times and each time Transunion has come back and said this account is mine. I have asked for method of verification, and they have not supplied that information. They are reporting and account on my credit report as an active payment history over 180 days past the statute limitations from an account that was supposedly sold. The sold account holder is reporting a balance each month which is illegal. Transunion refuses to investigate which gives me the right to sue according to the FCRA. I have a right to dispute all inaccuracies on my credit report. I want the accounts removed. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$83.00}
Consumer complaint received 2023-11-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MECHANICS BANK (CA)

Mechanic Bank. loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX www.mechanicsbank.com XXXX Mechanics Bank has increased my XXXX Mortgage loan by {$1000.00} for a year because they did not take enough out for the Escrow account. I am playing catch-up with my escrow account because of Mechanics Bank incompetence . I relied on them to be truthful and accurate. 

Mortgage Loan was transferred to this servicer in XX/XX/XXXX. No welcome Letter, no introduction. One bill from their XXXX XXXX site. 

XXXX ... There is no internet site to review mortgage information. All correspondence is email or mail. I have contacted them via phone but they don't have a Mortgage Loan specialist... The people I talk to are only interested in Auto or Banking transactions. It takes 25 mins to find someone who understand mortgage loans.

I have to send payment by USPS mail because they do not have Bill Pay. Payments sent via mail sometimes get lost. I had to wire money into the account so it would not occur late fees. 

Terms and conditions for ACH are unacceptable to me. The ACH form says they can withdraw any amount from my account they deem fit. I refused to sign that ACH form.

My refusal to sign the ACH form has saved me many times from their mistakes.

Some other issues I have experienced with Mechanics Bank in the last 3 years : 1 ) Mechanics Bank tried to make me pay for my HOA insurance changing. They sent a demand letter for it. They admitted their mistake but it could have put me in a hardship.

2 ) Wire mortgage payments because they were losing mail. Had to resort to sending certified mail to get tracking.

3 ) Escrow account mistakes causing me a undue hardship.

The reason I am writing today is : Mechanic Bank did not take the correct amount for the escrow account in XXXX. 

In XX/XX/XXXX I received a letter in the mail from them showing a new amortization schedule. it was XXXX pages.. the first XXXX pages said everything was fine but the schedule was going to increase {$400.00}. I was not upset but I thought it was just another one of their incompetences I had experienced and did not want to get into it with them. I had been FED UP with them for quiet sometime. 

I missed the 3rd page of the letter.. They had fallen behind on the escrow and were demanding {$1600.00} a month... this is {$1000.00} higher than my mortgage payment is now.. 

This is an undue hardship by Mechanics Bank on me and my family..They are supposed to be a professional organization. THEY ARE NOT A PROFESSIONAL BANKING ORGANIZATION. 


They should not be in business of federal mortgages.. Mechanics Bank needs to be investigated by CFPB for their business practices. 

The person I have talked to at Mechanics Bank XXXX XXXX. 
Tel XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.
Consumer complaint received 2022-12-13
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. (FL)

I have submitted the same complaints for several times already but still, this item is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account below : XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence keeps calling me. They call my cell phone number on weekends and late in evening. I do not have a debt with anyone. I owe no one anything. I keep blocking them they call with different number. I dont pick their calls but they keep calling. I need my peace and privacy.
Consumer complaint received 2022-12-13
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)

My name XXXX 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 2024-03-11
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. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX... PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled my credit report from the 3 credit reporting agencies. Although I have not heard back from XXXX and XXXX yet regarding my disputes filed with them, TransUnion came back and said that 5 accounts I filed disputes on were verified as accurate and upheld, despite zero evidence or data. 

These 5 accounts are not mine. I had no knowledge of them whatsoever. My insurance company, XXXX, had 3 data breaches over a 30 month period of time. I believe my information was used to falsely open accounts in my name. I called TransUnion and asked to see original signature cards or what proof they had collected during their " investigation '' that led them to this conclusion. TransUnion employee XXXX told me to reach out to yall and and that yall would be my best resource in correcting this. 

Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Altogether total is {$7100.00} dollars erroneously reported on my credit that TransUnion will not remove and " verified '' without any evidence or investigation at all. At no time did a TransUnion employee call me and request to verify what these charges were nor to see If I made them. I DID NOT. Now I'm trying to buy a house and can't because these faceless people refuse to be held accountable for a system mired in cloaks and darkness that nobody can explain and who's criteria is a mystery, but yet who's score controls so much of our lives. 

The period of time when these card accounts were opened, I had not opened a credit card account in YEARS. These are not mine. I'm requesting the CFPB 's assistance in compelling TransUnion to do what they should have done and removed it immediately in error with an apology and without delay.
Consumer complaint received 2023-09-29
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still 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 removed 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
Consumer complaint received 2023-09-29
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still 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 removed 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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately :
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-13
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-29
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion is reporting an inaccurate account for XXXX XXXX claiming I owe a debt on an account I have no knowledge of. I believe this type of inaccurate reporting is fraudulent, abusive, false, misleading and unfair in their reporting practice. They are misrepresenting themselves by placing unverifiable and non-consensual information. This new account was opened without permission on my credit file on XX/XX/22 illegally. This account is showing a balance of {$250000.00} and showing as being late.
Consumer complaint received 2023-06-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (TN)

I received a call from a blocked number claiming to be from an unspecified process server that wanted to confirm I was home to serve papers for a legal case. The person on the other end of the call would only give a case number, a phone number : ( XXXX ) XXXX, and that the law firm in the suit was XXXX and XXXX. I did not give the person any personal identifying information, but they had publicly available information about me as well as the last 4 digits of my SSN ( which they disclosed to me without taking any reasonable steps to verify my identity ). 

I then looked up the number given and the name of the law firm, but there was not enough information to identify the law firm and the phone number search did not return anything. 

I then contacted the XXXX number to get more information. The person I spoke to claimed to be calling about a XXXX auto loan for a car that was repossessed 19 years ago. They threatened me with wage garnishments and liens on my property if I did not acknowledge the debt and agree to repayment. Again, I did not give the person any personal identifying information, but they had information on the loan, including a loan amount and an amount owed on the vehicle.