davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (NY)

Enclosed is a detailed compilation, along with corresponding dates, of hard inquiries on my credit report that were not authorized by me. It is imperative to note that these unauthorized inquiries were conducted fraudulently, significantly hindering my ability to secure a new home for myself and my family. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries and provide me with detailed information on their origin and purpose. Furthermore, I am seeking confirmation of my handwritten signature or another form of documentation that validates my authorization for these specific credit inquiries. I understand the importance of maintaining the integrity of credit reports and appreciate your prompt attention to this matter. Please keep me informed of the progress and findings of your investigation. Thank you for your assistance in resolving this issue promptly.
Consumer complaint received 2023-05-18
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. (TX)

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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX I did not open this dispute and my account was deleted like what the heck for? And why was it disputed. I was disputing another account that was deleted. I was in the process of disputing another account joint account. I had with the same company that was deleted back in XXXX on XXXX XXXX. Last month with cfpb to have them put my account back on my report. And they went ahead and modified my dispute and added my other account to this dispute and fraudulently deleted it!!! They are liars and abusers and miss using my credit and their credentials. I verified with the vendor myself numerous of times in person and over the phone, and requested the vendors assistance in updating with the beurau back in XX/XX/XXXX and all of XXXX as well. Now Experian puts in a dispute on my behalf with fraudulently and chooses another positive account to cover up their choice to delete something that should have simply been updated. I will sue them if they do not put my accounts back on my reports immediately! and stop making fraudulent disputes and false claims to delete my hard work and worthiness. My account was deleted deliberately and they have yet to respond to my claim regarding the old deleted account but helped themselves to making a new claim for me! What is the reason for thisthere is no reason but to harm me an my report! And protect themselves! This is retaliation and this is not acceptable. The vendor submitted numerous bulls eye reports to validate and verify my accounts paid in full and on time, and no updates have been made only deletes. 
Report Number. 
XXXX Date Generated XXXX XXXX, XXXX Account info Account name XXXX XXXX {$5800.00} Highest balance @ XXXX XXXX XXXX 22 Months On record until XX/XX/XXXX Deleted Report Number Date Generated XXXX XX/XX/XXXX Account info Account name XXXX XXXX Account type Rental Responsibility Joint Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$7200.00} Highest balance {$0.00} Terms 23 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-08
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. (TX)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Money Transfer Acquisition, Inc. (CA)

Dolex Dollar Express inc. tried to to give him very important personal information like, my personal taxi identification, copy of social security card, copy of my identification, Proof of where I work, and place of birth. All this was suspicious, since they wanted this to be sent by XXXX, call dolex 's legal compliance department directly.on Friday XX/XX/2023, at three different times, Every time I talked to someone they changed their request, in the end they only said that they wanted a copy of my identification, It was the only thing I gave them and it was a Dolex Dollar Express Inc agency that did it directly.Counting the people who spoke explained to me that it was not their thing but the payer in the country of XXXX.and here they are based on the BSA law, what I send to my sister is an average of XXXX dollars to XXXX, which I withdraw directly from her XXXX XXXX  account in the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether by Dollex or the third payer in XXXX, and to this day I have not received my money back, nor do they want it deliver in I request an investigation of both companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (IL)

Allied Collections Services Date opened : XX/XX/2020 Collection Account {$1900.00} past due Previously disputed : XX/XX/2020 My name is XXXX XXXX. I have attempted to dispute this inaccuracy on my report with no success. I have contacted Allied Collections Services several times to dispute with the original creditor XXXX about this false collections. Upon speaking with XXXX associates, I was informed that this collection did not belong to me but my father XXXX XXXX. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit.
Consumer complaint received 2024-03-08
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. (LA)

I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-11-08
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. (FL)

Following the repossession, the creditor still has to follow a set of guidelines for the rest of the process. 

If the consumer left personal items inside of the vehicle, the creditor should give them notice of where the vehicle is and how they can reclaim these items. A creditor is not allowed to sell an individuals personal goods but they are allowed to keep or sell any enhancements that are made to a vehicle, such as an installed stereo system. 

The creditor can either choose to keep the vehicle as full payment of the consumers balance or they can choose to sell it. In the case that the creditor chooses to keep the vehicle, the consumer can demand that a sale occurs instead. At least 10 days before the date of the sale, the creditor has to provide the consumer with a notice that includes information on the time and place of the sale, as well as the unpaid balance on their loan plus any interest or reasonable fees collected by the creditor. If the consumer is able to pay off this full amount at any time before the sale occurs, they will be able to redeem their vehicle. After paying the debt, they will also no longer be in default and they will be able to return to having the rights of the original loan agreement that they had pre-default. 

The sale of the vehicle has to be carried out in a commercially reasonable way. The selling price of the vehicle should be comparable to that of its average market value and if it is not, the creditor could be held liable for unlawful conduct. After the vehicle has been sold, the creditor should send the consumer a letter that tells them the amount that the vehicle sold for, how the proceeds were applied to their balance and any amount of remaining debt that the consumer may still owe. If the money collected from the sale is greater than the amount of their balance, the creditor has to return the excess amount of funds to the consumer. If the sale was not enough to cover the total debt, the consumer could be held liable for paying the remaining amount, also known as the deficiency balance. However, in Florida, if the outstanding balance at the time of the default was less than {$2000.00}, the creditor can not ask the consumer to pay the deficiency.
Consumer complaint received 2023-04-21
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-08
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. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I sent in a identification theft report to equifax on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to XXXX Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off XXXX
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DE)

I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( the owners ) regarding their mortgage on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The house has been sold, and XXXX XXXX XXXX, XXXX. was the attorney who handled the closing at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Prior to closing, a payoff letter was requested from the lender by the attorney and the owners on XX/XX/2022 at XXXX XXXX ( the servicer, XXXX XXXX, for PHH Mortgage Services, sent this letter for account number XXXX ). The attorney received the payoff letter on XX/XX/2022 and closed the transaction on XX/XX/2022. After closing, the attorney sent the certified funds for payoff to PHH Mortgage Services with an additional six days of interest to cover any additional time past the payoff date. 
The following week, the check had not been cashed and the attorney asked that we check in with the lender. XXXX called the lender, and the lender indicated the payoff was short {$950.00} due to the fact that the lender had sent an escrow payment to XXXX XXXX XXXX on XX/XX/2022 ( the day after settlement ). XXXX was instructed to wire funds to make up the difference which he initiated with XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. This was approved by XXXX XXXX XXXX 
A week later, the funds were sent back to XXXX, and the certified payoff funds check was sent back to the attorneys office. The attorney followed the instructions again, asking for a new payoff letter and has not received anything to date. XXXX and I ( his Realtor ) called XXXX XXXX at XXXX XXXX today ( XX/XX/2022 ), and waited on hold for three minutes, and then were disconnected after the phone was answered. We called back at XXXX XXXX  and had a 14 minute conversation with XXXX ( XXXX ) who is requesting another payoff letter through XXXX XXXX escalation team. 
A few things need to change within XXXX XXXX PHH Mortgage Services regarding their internal process for handling payoff requests. They may want to consider the best practices of other lenders that do this without issue. For starters, their system should recognize if an escrow payment is being sent within seven days of an expected payoff, forcing it to be kicked out for manual review. Had this happened, the tax payment would not have been sent causing a negative balance. 
These errors have now caused delinquency on both XXXX and XXXX credit reports, which should be removed due to the issues during this payoff. Additional late fees and interest should also be removed.
Consumer complaint received 2022-11-08
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. (MD)

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Consumer complaint received 2023-06-05
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: Resurgent Capital Services L.P. (VA)

I have disputed this account with the credit reporting agency in XX/XX/2023. They have yet to place a statement that indicates that account in dispute. It has been exactly XXXXdays. This is a collection account with incomplete and inaccurate data. It states that the date it opened is XX/XX/2023 except no data for either XXXX or subsequent month exists. Also it reports it as a collection as of XXXXXXXX XXXX, XX/XX/2023 according to XXXX consumer report. No payment history. I, never established an account with LVNV, I have requested for documentation evidencing detailed records. They have deceptively contacted me via email using other company names such as " XXXX XXXX XXXX '' which is a clear violation of the FDCPA. They are using false representations of characters, amounts, and legal status of any alleged debt. 

Please see attached exhibits.
Consumer complaint received 2022-11-08
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)

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act 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 2023-01-24
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. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, 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)

On XX/XX/2019 I was routed to an employee with Equifax by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call Equifax I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. All is being investigated by the FTC.
Consumer complaint received 2022-11-08
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)

On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance