davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (MI)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Bankruptcy : XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have a previous complaint XXXX Experian is refusing to update my balance correctly and keeps updating I have a balance of XXXX which is incorrect the dispute item number is XXXX I have provided statements and called several times and on XX/XX/2023 they upadated my balance again incorrectly and this isnt my date to update it normally is done after my statement date
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TOWER - TOWER XXXX SANTANDER - XXXX
Consumer complaint received 2017-11-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (GA)

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating. 

They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.
Consumer complaint received 2023-06-03
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. (AL)

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.

The letters are stated with items and issues. 

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 XXXX 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 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I applied for a credit card at XXXX for a car repair on XXXX. Figured pay off in 6mths. Good deal. I use XXXX for my go to place esp. for oil changes, etc. They submitted my information and it came back as declined. I've never been declined on anything before. I went ahead and used my credit card to pay for the repair. I also spoke to the company when I was there. Verified my information, she kept saying I can't pull your information up. So why was it declined? 

I have since received a letter from XXXXXXXX XXXX XXXX  based in XXXX OH, never heard of them. They apparently furnish credit cards for different companies such as XXXX. Reason for declining, states : " Inability to verify your previous credit experience '' what the heck does that mean. 

It states on the letter that they use Equifax based in XXXX, GA. I went to look up my credit report through Equifax and find there was no soft or hard inquiry from this company. None. I think I may have been discriminated against due to my last name. I hope not. I want an explanation as to why this bank declined me, when they didn't even run a report through this credit bureau. The other two bureaus, XXXX and XXXX show my credit score in the XXXX 's. I wasn't able to see the score with Equifax.
Consumer complaint received 2022-11-30
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. (MS)

XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.
Consumer complaint received 2024-03-13
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: LCI Acquisition Inc. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-06-03
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. (FL)

Upon looking over my credit reports XXXX, XXXX and Experian, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
XXXX Acct # XXXX Report file # XXXX Experian Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: American First Finance, Inc. (OH)

I filed a police report with Gahanna.gov and followed up XXXX : XXXX Its with American First Finance. I have continued to report this to credit karma but American First Finance states it was opened legitimately but I dont know what information was used to open the account and Im unable to get that information
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Revenue Recovery Solutions  Inc. (FL)

Revenue Recovery Solutions, a collection agency, keeps trespassing on my property, calling me and sending me certified letters of collection for a debt titled to my former employer. I left the XXXX 2021, and have told the collection agency multiple times to contact the owners. I am a private citizen and I do not owe this debt, yet I continue to be harrassed by this collection agency. I have sent them a Cease and Desist notice under the FDCPA, and I'm seeking protection from the continued harrasment and threads.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include e
mails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-06-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, # XXXX, and # XXXX have 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 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

My loans are through aidvantage. I have 4 total loans. One loan is so ahead in payments I do not owe till XXXX. My monthly payments pre-forbearance were about $ XXXX across all loans. Since repayment began I have been charged over $ XXXX. I have talked to them monthly via their email portal. Every month they claim it is fixed. Every month I double check the auto pay. And every month I have been over charged and they have refused to fix the issues, claiming next month will be fixed. At this point its theft. I have not agreed to double my payments, the government claimed there wouldnt be penalties for being in forbearance. Please help
Consumer complaint received 2021-02-05
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: NEW YORK COMMUNITY BANCORP INC (GA)

I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (OH)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

I work for a federally qualified community health care organization and because of that I get the opportunity to apply for grants given by the government to pay off my student loans I submitted a document that needed to be completed by Aidvantage about my student loan and it needs to be sent back to me so that I can submit it for evaluation and be able to receive this grant ( XXXX ) that will go straight to my student loan. I submitted this form to Aidvantage on Friday XX/XX/2024 and called them to ensure they can speed up the process as the application for the grant has a deadline they told they will escalate the process, I called again on Monday to ensured it was done nothing and I called again today XX/XX/XXXX and I was told they will escalate the process every time I called they lie I just want to pay my student loan and I am not asking for anything that does not belong to me it is my student loan my information I have the right to have that stated on a document. 
Please help thanks
Consumer complaint received 2022-11-30
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. (FL)

I have tried to call and reach out to experian, XXXX, and XXXX and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable.

Account name / numbers. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-03
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. (AL)

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. 

The letters are stated with items and issues. 

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 2024-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TN)

recently checked my credit report it is showing WAKEFIELD AND ASSOCIATES has an open account with a balance of XXXX not only is medical not supposed to be reports. im confused as to who and why its on my account ive never been or received treatment through any facility there associated with. under fair credit reporting act using 15 u.s.c 1681