davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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 am filing this report because I applied for a small personal loan at XXXX today XX/XX/2020 and unfortunately I was not approved because apparently there are two accounts in negative standing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with either of those companies nor am I affiliated with them in any way. I don't know who is responsible for these accounts but I did not give anyone permission to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these debts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-10-04
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: AES/PHEAA (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX 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 2020-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My new lender ask for the payoff on my mortgage. They inflated the payoff by XXXX Their calculations were inflated. My payoff without interest was XXXX after interest they charged me for 2 months interest instead of 1 they added XXXX to my payoff on my loan.my monthly interest was XXXX last month. The final Payoff was XXXX The Loan was paid off on XX/XX/2020
Consumer complaint received 2020-10-04
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)

I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.
Consumer complaint received 2020-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I purchased a car in XXXX from XXXX XXXX XXXX XXXX XXXX and got financed through Nissan Motor Company from XXXX until XX/XX/XXXX I have made on-time payments to my account was never late. I started to look around XX/XX/XXXX to trade in my Nissan XXXX I went to XXXX dealerships and was informed that they can't find my name in the system as having a loan through Nissan motor corps stating I had a loan with their company. I went to XXXX XXXX  XXXX dealership to look at vehicles and was told by a manager that she too could not find me in the system as having an auto loan thorough Nissan at this time I started to feel scammed like I have been paying 6 years for a car that has no links to me so I immediately purchased another car and asked the bank to come to get it it wasn't until this time in XX/XX/XXXX that they ever reported my positive payments or that I ever seen them on my credit report until XXXX of this year with the negative and all the positives from the start of the loan they charged off the account but its showing on my account and I don't think this is fair
Consumer complaint received 2020-10-04
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 tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.
Consumer complaint received 2020-10-04
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 tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.
Consumer complaint received 2023-12-27
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern : I reviewed a copy of my credit report and ( Bank Of America ) ran an unauthorized credit inquiries on me on ( XXXX XXXX and XXXX XXXX ). 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( Bank of America ) and  investigate such occurrence. 
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part  of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
Thank you, XXXX XXXX
Consumer complaint received 2020-09-26
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: REGIONS FINANCIAL CORPORATION (FL)

To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX ) ( Regions Bank ) ran an unauthorized credit inquiries on me on ( XX/XX/2019 and XX/XX/2019 ) and ( XX/XX/2019 ). 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX ) ( Regions Bank ) and investigate such occurrence. 
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part  of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
Thank you, XXXX XXXX
Consumer complaint received 2020-10-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2023-01-04
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. (PA)

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I have previously disputed this account with XXXX and XXXX, and they have promptly acknowledged an error in their records and removed the account from their databases. However, to my surprise, this account still appears on your credit report. I am confused and concerned about the inconsistency between the credit bureaus and request that you investigate this matter thoroughly. I insist that you delete this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. Furthermore, I want to emphasize that I have been a victim of this inaccurate reporting, and I am unsure why your credit reporting agency is not complying with the law. The other bureaus have followed suit, and it is perplexing why this issue persists with your agency. I appreciate your prompt attention to this dispute and expect a timely resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm in writing once the necessary corrections have been made. ACCOUNT INFORMATION : XXXX XXXX XXXX Opened Date XX/XX/2018 Balance {$0.00}.
Consumer complaint received 2023-05-08
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. (VA)

After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, XXXX, and Experian. 

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 an alleged identity theft, not later than 4 business days after the date of 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.