davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/2020, a credit check was ran on my report for a refinance and I did not make a request. I called the manager and no response was provided nor a followup. 

I became unemployed in XX/XX/2020 due to covid. 

I requested assistance. No one called me. My loan was place in a forbearance on XX/XX/2020. 

I called to correct this, the agent XXXX white disregarded my request to fixed the dates. I was provided an incorrect email to make contact. 

In XX/XX/2020, I followed up with XXXX as she advised me someone was working on my request to fix the dates. 

In XX/XX/2020, I received a covid 19 grant from XXXX county in the amount of 5500 appx. 

I called to confirm the payment was received the payment was acknowledge by XXXX. 

In XX/XX/2020, I am review my payment history and it appears my payments are misapplied. 

I called to request clarification and I was advised my payments are up to date. I reviewed the payment history and it appears the payments are missing. 

Finally, I have not received a mailed correspondence since XX/XX/2020 the time frame when I raised the issue about XXXX XXXX 's customer service. 

I would like my records updated to remove the confusing and requesting my forbearance to start in XX/XX/2020.
Consumer complaint received 2020-10-02
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: EQUIFAX, INC. (FL)

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight  on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance ADVANCED XXXX  Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-02
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. (FL)

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which  is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX : XX/XX/XXXX Subject : Fraud XXXX XXXX XXXX XXXX AND Froze Account ending XXXX  To Whom It May Concern : I am writing this complaint hoping to get a response and/or resolution. I had have been a victim of Identity Thefts. I am writing not to complaint, but I believe this is one way to reach someone to ask assistance and resolution. 

In XXXX, I had lost {$5000.00} due to fraudulent activity. The funds were sent thought for Charity to supports orphanage. I had submitted the claim with the Fraud Dept and provided all supporting documentations. I have yet to receive an acknowledgement and/or any status to date. Incident had been reported to XXXX, FBI and the local authority. 

In XXXX I become a victim of Identity Thefts ; presumably, the same individual and his accomplices. This event by force to close out all of my accounts with Bank of America. The bank I trust and been a long-term customer. Incidentally, I was affirmed by the Bank of American location on XXXX and XXXX XXXX, in XXXX XXXX CA in-which all of my accounts had been closed. I continue to receive email notifications by email of the account balance. I have had gone back to the bank location 4x and once again I was assured that all accounts had been closed. I continue to receive emails. Today - XX/XX/XXXX, I went to another Bank of America location on XXXX and XXXX and told the account ending XXXX is open/ froze with a balance {$350.00}. I attempted to call the Fraud Dept XXXX - office is closed. 

Both incidences have been reported to the XXXX XXXX XXXX XXXX XXXX and the investigation is undergoing. I have all of the supporting documents and willfully submit for your investigation.
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: Experian Information Solutions Inc. (TX)

I filed multiple disputes with Experian about XXXX accounts that do not belong to me. A charge off with a bank I have NEVER had an account with and also a collection that does not belong to me. These accounts were results of identity theft/fraud. Experian refuses to delete their accounts. The first account is a charge off with XXXX XXXX XXXX and the second is with XXXX XXXX XXXX. Both accounts owing over XXXX $
Consumer complaint received 2020-08-18
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
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: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 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 2024-03-19
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. (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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 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 2024-03-19
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This is a result of identity theft, I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. The transactions are not information related to any transaction by me as the consumer : XXXX XXXX WAKEFIELD AND ASSOCIATES, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TrueAccord Corp. (NY)

On XXXX I received an email from shop-pay saying my loan had been charged off. Since then I have received for XXXX emails from XXXX consistent names. XXXX XXXX and XXXX XXXX have both harassed me via email claiming to represent True Accord in an attempt to collect the alleged debt. I have never had any contact with True Accord or done business with them before. In addition to this shop-pay is consistently denying my creditworthiness because of this decision. I know this is unlawful to me as a consumer.
Consumer complaint received 2023-05-18
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. (NH)

( See complaint : XXXX ) On XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX XXXX had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX  XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I re-submitted the dispute and provide extensive additional documentation of my debtlessness. TransUnion responded with this dispute with a letter containing the following : 'In accordance with Section 605B of the FCRA , we have determined that your request h as either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. ' I have since responded to TransUnion requesting that it identify precisely which of these scenarios it believes to be applicable, and why. 

Attached are two documents which are reflective of my second and third effort to resolve this issue with the credit reporting agency. Tracking numbers/proof of delivery for all correspondence is included.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

I was given a summons for a debt that is past the statute of limitations and now being sued without knowledge that I was or could have been sued. I had already set up a payment plan and got served papers. Now I am feeling threatened and worried that my life and children 's will be ruined because of this. I am on a fixed income and do not know how I will afford any of this now.
Consumer complaint received 2020-08-18
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: EQUIFAX, INC. (OH)

I mailed letters to all 3 credit reporting bureaus ( XXXX, Equifax, XXXX  ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Consumer complaint received 2023-05-08
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. (SC)

To whom it may concern, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( s ) listed IMMEDIATELY! 


Account name : XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX Date opened : XX/XX/XXXX Account number XXXX XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX
Consumer complaint received 2023-02-18
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. (VA)

Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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. (CA)

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, experian, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.
Consumer complaint received 2020-10-02
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. (CA)

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, Transunion, XXXX, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.
Consumer complaint received 2020-10-02
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX