davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-07
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: Experian Information Solutions Inc. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (FL)

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. Kindly update or correct these negative accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, XXXX, and Experian advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report
Consumer complaint received 2022-11-26
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)

The inquiry listed below is fraudulent and is being reported fraudulently on my equifax credit report and also attached is my identity theft report. 

Equifax XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-04-02
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: LD Holdings Group, LLC (FL)

I applied for mortgage loan back in XX/XX/2020 with MTH mortgage. There was a credit inquiry posted on my report from XXXX. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian report currently shows balance on my credit card account. Balance was already paid but this is not reflected and won't be until following month. Credit score ( calculated each month ) was lowered significantly from score previous month due to relatively large balance versus available credit. Lowered score may affect my ability to secure loans, force me to pay higher interest rates, etc.

I pay credit cards off in full each month and have never had to pay interest. The algorithm and timing of credit score calculation doesn't accurately show my credit history.

The Experian algorithm seems to be focused on being an early warning system rather than reflecting my longstanding, highly responsible and accountable credit history. I think this shows Experian needs to rethink their approach and tailor the report to the individual so it accurately reflects credit history and behavior.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

Landlord ( XXXX ) is trying to charge me for damages to the floors that the maintenance men caused and for rent for a month that we weren't living there. When I called to talk to manager ( XXXX ) of apartment complex she was very rude wouldn't give me an explanation and hung up on me.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 2023-01-30
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. (GA)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$240.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance {$95.00XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2024-03-07
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-05-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I called Experian by phone to figure out why my inaccurate accounts remained on my credit report, and the representative gave me no answer to why, just told me that my accounts would remain regardless of any thing i said.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My identity was stolen and used by others to apply for a credit card and a bank card. Now I am stolen in TD Bank. I suspect that I am being used by others to conduct money laundering activities. However, td Bank thinks that I am not my own. I have to complain to the Federal CounciXXXX that these banks are not enough. Protect the personal information of consumers and cause serious damage to the victims!
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My XXXX XXXX  loans are serviced through MOHELA. They are currently undergoing a system transfer that has completely cut off access to my account for about 1 month ( per the customer service agent I just spoke to ) meaning that it is impossible to make a payment on my account. I was told on XXXX that my auto-debit payment would still process on my due date ( XXXX ), it did not. I called again and was told that auto-debits would not process as they are not transferring over any auto-debit information for anyone. In addition to this, everyone who was on auto-debit gets removed from auto-debit automatically and loses the interest rate discount that we had from enrolling in auto-debit until we are able to gain access through the new system and re-enroll in auto-debit. This means that for roughly 2 months, MOHELA is choosing not to transfer over all of our data and is forcing everyone enrolled in auto-debit back to their higher interest rates as a cash grab during their " transition phase. '' It is impossible to get a straight answer from MOHELA about what is happening during the transition and impossible to view our own accounts to see for ourselves.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: GOLDMAN SACHS BANK USA (CA)

On XXXX  XX/XX/XXXX I received several credit alerts that I was 31 days past due on a {$2.00} XXXX charge for storage on my XXXX XXXX which negatively impacted my credit score causing it to go from XXXX to XXXX overnight. I take my credit extremely seriously and had never had a late payment in over 20 years of credit history. I was devastated when I received the notifications and called Apple support and GS Bank USA who owns the rights to the card. I spoke with several representatives at GS Bank who claim they escalated my dispute.. They claimed to have sent notifications to an XXXX email account that was set up when I purchased the phone. I knew nothing about this email acct I would receive monthly notices of a {$2.00} charge and would simply pay it through my XXXX credit card which I have a {$6500.00} limit. I am a XXXX XXXX XXXX man and admittedly not always knowledgeable on the latest wireless technology.. That being said had I known I was behind on a payment of only {$2.00} I surely would have paid it. The effects of that missed payment has spiraled my credit rating XXXX  points! This is inexcusable on the part of GS Bank USA. I am requesting this be taken off my credit report asap as I have also filed a dispute with XXXX case # XXXX. When I called XXXX on XX/XX/XXXX I spoke to two specialist that had me on hold at different times during the conversation for well over 90 minutes only to tell me at the end I was sent notifications to my wallet. My wallet! I use my phone to make and receive calls check my email at XXXX XXXX not familiar with a wallet or XXXX  etc when explained to me about the XXXX I found I had over 200 emails sent to this account. Which I never knew anything about! Im reaching out to your organization to make sure that this doesnt happen to anyone else especially those of us that are getting up in age and arent familiar with certain apps wallets XXXX  etc My request is having this {$2.00} missed payment removed from my credit report as Ive stated earlier I had a perfect rating on my payment history. If theres anything your organization can do to assist me I would be greatly appreciative. I can be reached at XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX thank you
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

Upon checking my credit reports ( all 3 ) I noticed XXXX had a company by the name of XXXX XXXX XXXX, I have never done business with this company. Oddly enough, it has the same tradeline account number of a company I have done business with, which is Mohela, which is a student loan provider. Upon contacting XXXX XXXX XXXX they indicated that I did not have an account with them ( I read the acct. number to them that is on my credit report ), they also indicated that they don't handle any student loans. I then called Mohela and they confirmed that they only report as Mohela and that it must be a XXXX issue. I called XXXX who advised to call XXXX XXXX XXXX. It has become a complete run around. The account number that this American place has is identical to the tradeline account at Mohela. No one is providing assistance. On my other 2 reports all info is correct as it relates to the Mohela account. I am trying to buy a house and this is not good. No one has provided an answer that I am comfortable with. This is a {$100000.00} amount with a company I have never heard of. Please help me. The account I am referencing has a sketchy phone number attached as well.
Consumer complaint received 2023-01-30
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY
WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-07
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. (OR)

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and noticed an inquiry that I did not authorize. I have no association with the listed creditor and did not apply for any credit or services from them.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-30
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX  on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX   and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.

Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.

Contacted Experian to dispute the account.and was told that XXXX  would respond within 30-days.

Received notice from Experian that XXXX had validated the account and the dispute was canceled?

Contact XXXX XX/XX/XXXX: Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.

Contacted XX/XX/XXXX - XXXX ( XXXX  SoCal Rep ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.

ContactedXX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX  ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.

ContactedXX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX XXXX by email of the latest info I had on the case.

Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.

EmailXX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.