davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 items 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. 
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 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 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 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Ive disputed the two Bankruptcies with XXXX XXXX Equifax and XXXX  that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX authorize the CFPB to act on my behalf! moving forward
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My name is  XXXX   XXXX  I have a mortgage wi th Carrington  Mortga ge Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Consumer complaint received 2023-06-05
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX FLORIDA UNITED STATES DISTRICT COURT XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The bankruptcy courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below.

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.

Please reference for proof of this violation and false reporting : https : //www.moeb.uscourts.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).
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 — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Special Financing Company, LLC (MI)

I am reaching out to the CFPB with concern as to how both the " Special Financing Company LLC and XXXX XXXX  '' operate in the capacity of offering marketing and financing solutions provided to the public. I believed that what had been provided was straight forward but once getting a bit deeper I had discovered that the platform offered by XXXX XXXX is basic and entry at best vs 's what is described compared to what is offered with other platforms. After finding the truth based upon my own discovery i had requested to cancel services not to move forward with XXXXXXXX XXXX. In addition followed up with the Special Financing Company LLC. requesting to cancel service and funding to move forward with XXXX XXXX. Within days of entry and signing their contract i had requested to cancel services, only to be delayed pushed off to support speaking with XXXX going in circles and reselling me on services and having to be rescheduled for the request to cancel for a 15 min call just to cancel which had been pushed off for 2 weeks. Once I had the ability of speaking to XXXX XXXX " financial advisor '' as he stated from XXXX XXXX he refused to cancel stating that i had already been funded and that it was to late to refund or cancel. As XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for over a decade, I have never experienced a company slow walk a simple request like this EVER! The actions of XXXX XXXX 's conduct validates my decision to not proceed with XXXX XXXX or their Special Financing Company LLC. I have also reached out to my Banking institution for the refund of my initial deposit of {$900.00} with XXXX XXXX which had been refunded within 24hrs of my concern, as well all three credit bureaus have been contacted regarding this matter. 
AGAIN My last call with XXXX XXXX was direct and to the point calling out the obvious in which he deflected/ dismissive stating that he had to go to another appointment and that he would not cancel services upon my request and that it was to late. The XXXX XXXX XXXX XXXX had been a bit more receptive and that my request stops with XXXX XXXX 's decision to rescind. XXXX XXXX had reached out after a week and half last Saturday XXXX trying to resolve the matter of my request to cancel or answer questions or answer concerns ... '' going with the motions ''. It is very simple I am over the smoke and mirrors, Cancel services stop dragging this out! I felt like i was dealing with a cable company. What credentials support XXXX XXXX 's title as a financial advisor?
Consumer complaint received 2023-04-18
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. (IL)

This is to XXXX, XXXX  and transunion, these agencies are showing previously deleted Late payments from XX/XX/2022. These inaccurate payments have now reappeared on my current credit reports. This A direct violation of the law below ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Also, reporting from the same account inaccurately credit utilization, payment status and worst delinquency categories across all 3 agencies from my " XXXX XXXX '' account. 

*XXXX  is reporting A balance of {$460.00} and utilization of 50 %. 
*Transunion is reporting A balance of {$350.00} and utilization of 45 %. 
*XXXX  is reporting A Balance of {$450.00} and utilization of 57 %. 
This type of reporting directly violates the law below, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-12-14
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: Caliber Home Loans, Inc. (AZ)

I refinanced my home mortgage with XXXX XXXX XXXX, funded on XX/XX/2020. This was a VA mortgage, they did a credit check. 
My loan was purchased by Caliber Home Loans. 
A credit inquiry was made on XX/XX/2020 by Calibar Home Loans which was not approved by me. This inquiry drastically reduced my credit score and I would like it corrected please. 

Please advise!
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

CITI bank is keeping me from my own funds. I deposited {$250000.00} with them in XXXX to earn a reward offered for new savings accounts. On XXXX XXXX I began the process of withdrawing my money to invest it. I have spent hours verifying who I am with them on the phone. They asked a seemingly endless stream of questions and even said they must call me back in the middle of the call on an unrecognizable number that makes the whole experience feel very fraudulent and untrustworthy. They verified they could SEE the phone number from which I was calling but insisted that they had to call me on that number from a different number after which I was asked for the last four digits of my SSN. In a subsequent call, I asked a CITI rep whether the number from which I had been called from was a valid CITI number and the rep said the number was not a CITI number. Since I began trying to transfer my own money to the same bank from which it originated, I have repeatedly initiated phone calls to CITI with people who, while having difficulty speaking XXXX and sometimes having roosters crowing in the background, showed no empathy or concern other than scripted Im sorry for responses. Despite expressing being sorry, they subsequently engaged in hour-plus long phone calls that have been repeatedly dropped. After I correctly verified my 16-digit debit card number, PIN, last four of SSN, address, account number, purpose for the withdrawal, and so on, I incorrectly said that my wife was also on the account. I had to spend another hour to get back to that point with a different phone rep. To date, after 16 days of trying, I had one wire transfer go through ( the limit is apparently {$500000.00} per day ), Ive had one wire transfer get canceled for undisclosed reasons ( today after 75 minutes of verification ), and one is still pending despite over 1 hour & 15 minutes on the phone today before CITI dropped the call. After over two weeks, this bank has transferred only {$65000.00} of my {$250000.00} back to me. I need help. They mention that their concern is fraud protection, but it is my money. I have more than adequately verified who I am, and I am only trying to transfer it to the same legitimate bank account in my name from which CITI received the funds in my CITI savings account. They did not block my two transfers of {$100000.00} and {$150000.00} into CITI but they are unreasonably blocking my efforts to recover my money. PLEASE HELP ME
Consumer complaint received 2023-06-01
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. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2021-01-04
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. (NJ)

I sent several complaints about late payments reporting inaccurately, to EQUIFAX, XXXX, AND XXXX  I was never late. 
1.ALLEY XXXX  , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. XXXX please see exhibit XXXX ) XXXX XXXX ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CT)

Navient said that they would send me a form to sign and verify that I am not co-signer on a student loan, but they never sent the form to me. I have since learned that the co-signer was in fact the students mother, but she put me in as co-maker because she said she could not co-sign due to being over extended. She filled out form using my info. Please send a form that I can sign so you can compare with the actual co-maker signature. I am XXXX years old and this has been destroying me. Thank you
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX  since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX XXXXXXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX  calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.
Consumer complaint received 2021-04-19
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. (TX)

XXXX and Transunion our reporting a balance for XXXX XXXX XXXX and I have called XXXX XXXX XXXX and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from XXXX and TransUnion
Consumer complaint received 2024-03-03
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. (MA)

I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-01-26
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: EdFinancial Services (GA)

In accordance with the Fair Credit Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX ( account ending XXXX ) {$640.00} XXXX XXXX XXXX ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have provided information with tomorrow and get your dress. They seem to have it placed addresses on there that dont belong. Im just not have an easier time trying to work with these critters who wont remove anything wont update anything I dont use my full name I only was my first and my last name I have a last name that doesnt belong to me. My personal information is all messed up.
Consumer complaint received 2020-12-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.