davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (MO)

XXXX is wanting to collect {$5000.00} for a XXXX XXXX called XXXX XXXX. I called my recruiter twice about having issues with them verbally abusing me. The instructors called me mentally challenged. They flunked me for air brake issue on the XXXX exam. When an instructor advised me that its a safety mechanism on the XXXX truck that wont let me test the tractor pull for the parking brake and service break test on XX/XX/2022. On XX/XX/2022 I called my recruiter, XXXX XXXX, again and finally got an answer. I advised her what happened and she had nothing to say.
Consumer complaint received 2023-05-23
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. (NV)

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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX : {$890.00}.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

I advised this company remitly i was a victim of identity theft someone stole my identity and open profiles in there company sent money from my business account to overseas falsificate documents and I want them to refund my money and closed any profile they have of my name XXXX XXXX XXXX or my company XXXX  of there site I submitted police report I never authorized someone to open a profile in this company any transactions auhthorize are fraudulent and product of theft I never open a account I sent police report this company allows theft
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, 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 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, 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 2023-07-16
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. (MI)

XXXX XXXX XXXX XXXX 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-10-22
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. (CA)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected :
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, 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 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, 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 2017-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
Consumer complaint received 2022-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I already filed my claim with the Attorney General confirmation is added below. I filed numerous looked over compalints with the CFPB in the last 9 monthsXXXX XXXX XXXX  and made over 26 hours of calls to these two companies. I mailed and faxed many documents supporting the Institutions even sent letter to fix these issues. 
1.I am not Deceased : I have been claimed as so by all 3 agencies now, but these two have lied and Said they don't see the status, have taken it off and resubmitted it or lied about removing it in a timely manner, haven't gave me a reason of how or why it was added ( Negligents ), have had me get denied credit due to it being added and I wasn't aware, it has locked me out of online accounts and caused my emails to change as well. I su mitted over 6x 6 letters and packets with proof and validation and they took over 22 days to even document it into the system.

2. XXXX XXXXXXXX/XXXX XXXX {$300.00} limit credit card ) and XXXX XXXX XXXX  ( account ending in XXXX XXXX XXXX XXXX ) has been OPEN and they have taken as much as 6 months from my initial complaint from calling in to change the status. A closed account, less positive history reporting, and decreasing my avaliable credit has negatively impacted my credit score and potentially caused me to not get funded. I sent proof for XXXX XXXX most recently in XXXX and XXXX XXXX XXXX Most recently in XXXX. XXXX changed the info with no issue these 2 establishments didn't even so much as put " under investigation or dispute '' until within the last 30 days when it should be done asap. They Said they would look into it and not even the CFPB made sure they did. I called SEVERAL TIMES ( please see your notes when you pull my account ) and they kept saying " it's verified as correct '' when I gave them my bank XXXX and letter ( attached ) stating clearly they warned the agencies to change the miscommunication ASAP.. 
Some of the violations BESIDES pain and suffering and time wasted which is subjective are : 15USC 1681a 2A, Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ,15 U.S.C. 1681n ( a ) and more ***THESE things have caused me lost time, denied applications, and I'm unable to get a car and apartment amongst other things***
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXXXXXX XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
Consumer complaint received 2021-12-13
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-10-22
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-09
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. (WA)

XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  XXXX .
Consumer complaint received 2022-10-22
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.