davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.

According to 15 USC 1692g a consumer has the right to request validation of a debt.

This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

If these accounts are not validated within 30 days, I will take legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER! Also, during the validation period i any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute certain accounts listed on my credit report, which was reported by your credit bureau. The accounts in question are as follows : XXXX XXXX FS XXXX and XXXX XXXX XXXXXXXX Fraudulent behavior- The bank has committed to removing this from my records. Please ensure it is eliminated. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Since XX/XX/2021 coinbase has blocked my account with the ammount of XXXX in it under the excuse that they were " reviewing my account ''. 
I sent all the doccuments required and nowadays my account is still unavailable I've sent many complains asking about this issue and the ansered apologizin for taking long indicating that they have a big ammount of work to do. 
Finally they sent a message telling that the revew was " done ''! And my account continued blocked for trade or withdraws. 
After some complains their final answer is repeated : the case is closed. 
I still can not withdrow my found or operate with it. I dont know what to do! 
My account is still blocked and i can not contact to anyone!
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (OH)

My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}
Consumer complaint received 2021-04-21
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I started my 1st refinance process in XX/XX/2020, I supplied ALL documents they have requested. I paid out of pocket for my appraisal which was promptly completed. Hee 's where my problem comes- They have done 2 hard inquires on my credit causing me to take a total of a XXXX point hit. They have taken so long to complete the process and keeps asking for the same documents over and over even though already submitted. 
- I have called them several times and have received NO information on how or when this process will be completed. Calls go unanswered. My last loan officer QUIT after doing a credit inquiry just a few days ago. Since then it's just a run around in circles. PLEASE INVESTIGATE THIS COMPANY. LOOK AT THEIR REVIEWS I AM NOT ALONE. HELP!!!!!
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (CT)

I have a mortgage loan with Midland Mortgage and it's been paid on time and up to date. Midland mortgage reported to the credit report that I was in a forbearance when it's not true. I am not in a forbearance or any type of program. I never applied and never requested anything like that. I was applying to refinance with my local credit union and was denied due to the false report from Midland mortgage. Now I have to wait months to be able to apply for refinancing.
Consumer complaint received 2021-04-21
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. (LA)

Had a thief happen some years back things still pop up. There's so many things wrong on my report, Im not sure who it belongs to never got that far. Inquiries I have no idea how they are being generated but a lot of them have been reinserted on my report. Inquiries listed below are inaccurate, please help me deal with my discomforting situation. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX 8. XXXX XX/XX/XXXX
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MD)

The mortgage company has money from a check from my insurance company. The money is to repair my roof. The total cost of the roof replacement is approximately $ XXXX. The mortgage company has $ XXXX. The contract/estimate from repairing company states the need XXXX of the total repair cost ( $ XXXX ) to start the work. The mortgage company will not release XXXX cost to repair the roof. Meanwhile, my house is damaged more every time it rains since the repairs have not started. I have asked several times for them to provide XXXX of the total cost. The company only wants to release XXXX of the $ XXXX which is not what the contract requires. No one provides a response to me after I have made my requests.
Consumer complaint received 2023-06-29
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. (CA)

I did not authorize the following companies as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-20
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)

I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: Avant Holding Company, Inc. (RI)

i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have disputed an account with XXXX  on Experian for the past six months to no avail. I have furnished to Experian a letter from said company stating that the account in question is closed and they refuse to correct my credit report.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America account was scammed in 2018 in XXXX Georgia or surrounding cities in Georgia by someone. This person went to numerous places and withdrew money that was not in my account and I am being held accountable even though I have made a police report and have proven where I was located at this time. My account was closed and I have been responsible for paying the outstanding balance of $ 7100+. This is also stopping me from opening a new bank account with any other banks and has also placed my name in a system for fraud suspect activities which prohibits me from a lot.
Consumer complaint received 2021-04-21
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. (FL)

There is an account that has been on my credit for a long time that absolutely not be there. I have no contracts with the company and did not agree to pay any money to them. I believe, that I couldnt owe this much. I know that mistakes happen on peoples credit reports, and I am quite certain there is a mistake. I believe that someone used my name. 
I think that I may be a victim of identity theft.
Consumer complaint received 2021-04-21
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. (PA)

There is one account showing on my credit report that looks like a collection and it does not belong to me I have reached out to the furnisher as well as the bureau reporting this and I have received no response back I need this taken care of ASAP. 

XXXX Acct # XXXX {$0.00}
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Optimal Management Group, LLC (OK)

THIS COMPANY OPTIMAL MANAGEMENT GROUP DISCLOSED MY SOCIAL SECURITY INFORMATION TO A THIRD PARTY WITHOUT MY CONSENT, WHICH MAKES ME QUESTION IF THEY ARE DISCLOSING THIS SAME INFORMATION TO OTHER PARTIES THAT HAVE NO RELATION TO ME OR OTHERS. THIS DISCLOSURE WAS VIA TEXT AND VOICEMAIL. I HAVE THE TEXT ESSEGES AND VOICEMAILS. 
TEXT MESSAGE IS NOT ASKING " IS THIS ______? AND IS THIS **** YOUR SSN? 
IT WAS IN A STATEMENT FORM AND VERIFYING FOR THEMSELVES. THIS IS VIOLATION OF MY RIGHTS I BELIEVE AND THIS IS NOT THE WAY TO DO ANY COLLECTION OF SUCH. AS WELL AS THEY DID NOT PROVIDE THEIR COLLECTIONS STATEMENTS IN THE BEGINNING OF ANY TEXT OR CALL
Consumer complaint received 2023-02-20
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. (GA)

Experian is violating my right to a fair & thorough investigation. They will not reinvestigate inaccurate info on my credit report. Nor provide how did they receive the info stating this account is accurate. I filed a bankruptcy dispute XX/XX/2023. I have a right to receive how did they verify this alleged debt is mine.
Consumer complaint received 2023-02-20
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. (VA)

Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the following information that appears on my XXXX/TransUnionXXXX  consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2021-04-20
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. (FL)

XXXX- while professing one may  update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I sent a letter to LVNV Funding LLC XXXX collection agency XXXX disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that LVNV received the dispute letter on XX/XX/2021. I was not contacted nor was my validation request honored within the 30 day timeframe. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

I finally received a response from LVNV in XXXX, however, it was past the 30 day mark. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. With that being said, I am requesting for LVNV to delete the disputed and unverified accounts.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

The issue that I'm having with this company is that I never got a notice that my account was going to be placed on collections and since they never sent the notices to my current address I was never aware that I owed that money. 

Time passes by and when I look at my credit report there is a new collection damaging my credit score and like expected I called as fast as I saw it there to get it paid and removed but when I call and ask for the deletion the representative told me that it was a company policy to only report as paid or settle in full on the credit report and not get the account removed out of the credit report, So I asked a manager and he still told me that they won't do deletion and it was a policy.

So basically they never sent me any notices saying that my account ( which I though was already paid ) was going to be placed in collections because they sent the notices to the wrong address and even the manager confirmed that. This is against the fair credit reporting act because I never got the notices and they sent them to the wrong address.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and Transunion, XXXX, and XXXX  to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.