davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (NC)

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I have contacted LVNV funding LLC and demanded they stop reporting False information on this account XXXX, I sent out a certified letter with tracking number on it on XX/XX/2022 a request for proper account level documentation of personal knowledge of said account and proof of real ownership, they pretend to report a past due balance, but i have never done any dealing with this company., but have been given the silent treatment..
Consumer complaint received 2023-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (MS)

In XX/XX/XXXX, I entered into a consumer credit transaction with XXXX XXXX XXXX of XXXX, XXXX XXXX I went in to purchase a car in my business name, but unfortunately, I was not able to do that. I was informed by their Finance Manager who goes by the name of XXXX, that had to use my credit to get the car. So because I thought I was in good hands I did that. The car was financed through Truist Bank. Recently I have fallen on extremely hard times and have been unable to maintain payments. I have pleaded with Truist Bank but I couldn't seem to come to any resolution. And now they've threatened to repossess my vehicle from me. I must admit I was afraid and stressed to the max because I need my vehicle. So I went to discuss this matter with someone who is extremely familiar with these types of transactions and they told me to start researching consumer laws. Every since then I have been studying extensively. I noticed a few things were not done or were not done properly. On XX/XX/XXXX, I sent Truist Bank a Cease and Desist as well as a Validation of Debt letter by certified mail. They received the letter it on XX/XX/XXXX, it was received by XXXX XXXX. I have a copy of the letter and return receipt attached to the complaint. The Cease and Desist state a number of things, one of which is to cease all communication through ANY MEDIUM in regards to this debt. Since they have received the Cease and Desist they have not abided by it. They have called me numerous times since receiving the letter, I have it documented. Since they have not abided by my request which states they have to be Federal Law. I decided to file this complaint in hopes that this would make them abide by the rules of construction set forth in the FDCPA. I have attached the Cease and Desist and Validation of Debt, which I sent to Truist Bank as well as the Return Receipt for your review.
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp (AL)

The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are not complete and not accurate.

[ XXXX XXXX XXXX XXXX XXXX this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. XXXX XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXX XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX : # XXXX ] this account is not accurate and is result of fraud. [ XXXX XXXX XXXX XXXXXXXX ] this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My husband lost his job in XXXX, since then were having problems paying the mortgage, on XXXX we stopped making payments due to the hardship. I contacted my loan company and they told me that i had to apply for forbearance hardship, i did apparently I didnt fill out the application the right way and i did 3 times after they told me to and it was always something wrong. Finally the accepted my application i send all the documents required i have been sending them my paystubs every XXXX weeks, and they just keep asking for the same document all the time. I called today XXXX because they send me an email that they rejected my application due to a missing information, they said that i never send them the HOA papers which i did it 3 times and they told that what they received it was from XXXX, which I dont know from where they got that information because we bought the in XX/XX/XXXX, and the house was build in XXXX. Then they told me that my paystubs that i send after the application dont match with the first one, that the amount its different, which i told them of course dont match because i am working overtime trying to paid some of the money that i owe you. Thats where i got upset because for me dont make any sense that a company dont see that the amount dont match because its overtime. And their answer when they realize their mistake was for me to write a letter. This situation is being like this since XXXX and they dont have an answer for me yet, except that i will loose my house. They refused to transfer me to a supervisor, treated me like garbage, the worst customer service.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (AZ)

An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of Federal Law. Account ending XXXX
Consumer complaint received 2023-01-08
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. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-08
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. (AL)

I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.
Consumer complaint received 2019-08-06
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: Experian Information Solutions Inc. (HI)

The following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I did an investigation on my credit report and found several items in there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Received unsolicited letter from XXXX XXXX requested identify verification for a XXXX XXXX credit product. 

Checked my credit report, and XXXX XXXX had done a credit inquiry through Trans Union credit without my authorization. 

Called XXXX  turns out they have a special data interchange relationship with XXXX XXXX. Also a private label credit card. 

XXXX XXXX apologized and said they would remove credit inquiry on my TU credit profile. Has not happened yet, it is still on my credit profile with XXXX. 

XXXX and XXXX need to be bounced by the CFPB so as not to all them to illegally access consumer credit profiles without the consumers permission.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Did a mobile deposit of a check amount of {$950.00} XX/XX/2018 check was processed next business day on XX/XX/2018 but now there is a hold on the check for funds until XX/XX/2018 attempted to get hold removed by both customer service and going in person to a branch was told nothing could be done to remove the hold had the bank account for more than 2 years never had to do a mobile deposit since this was for a new employer and previous employer was always a direct deposit, was not even given the option to have XXXX or a set amount to be available immediately now I will get overdraft fees for a automatic payment that will process on XX/XX/2018
Consumer complaint received 2023-01-07
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. (TX)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (IL)

Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from experian deleting this debt twice.
Consumer complaint received 2022-10-31
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2017-05-10
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: Army and Air Force Exchange Service (KS)

I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.