davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Consumer complaint received 2022-11-01
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. (AR)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$4200.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (PA)

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX was deleted and put back on my report.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-11-01
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have 2 accounts at XXXX XXXX which were both closed in XX/XX/2023 however XXXX XXXX has willfully and inaccurately reported both accounts as OPEN to Equifax on XX/XX/2023 in complete disregard to the FCRA and Metro 2 protocols. When I closed my account I warned XXXX Bank that I insist on immediate reporting to every CRA of the closure otherwise I would seek {$1000.00} in statutory damages for every willful FCRA violation yet XXXX XXXX still has willfully reported my closed account as OPEN. I demand {$1000.00} in statutory damages plus permanent deletion of both accounts from every CRA.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL XXXX CREDIT BUREAUS : EQUIFAX, XXXX, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY XXXX I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls/Capone allowed someone else to open an account with my social security number due to fraud/identity theft. When I first received the alert ( from XXXX ) of a hard inquiry on my credit report on XX/XX/22 I immediately informed them it was not me and requested the account be closed. On XX/XX/22 I received a second alert ( from XXXX ) that the a new account had been opened in with my information, the same Kohls/Capone account I had already disputed, they allowed to be opened anyway, even though i had given them a the fraud/identity theft warning.
Consumer complaint received 2022-11-01
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. (MN)

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-01-05
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian did not properly investigate and account is unknown to me please send info how account is verified XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account number XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX {$1200.00} Closed 14 charge-offs Account XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance on XX/XX/XXXX Loan Amount {$1200.00} {$1100.00} XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract Balance on XX/XX/XXXX Loan Amount XXXX XXXX Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Sales Contract
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-10-04
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This problem started after I was XXXX XXXX and the person stole my wallet then draining my cards including my california unemployment debit account with Bank of America. This was XX/XX/XXXX. I report this and then was giving back a credit to my account as bank of america approved my claim of fraud and credited my account XXXX XXXX I provided information from the police report I had filed when this happened. Out of nowhere on XX/XX/XXXX my account inoticed wouldn't let me withdrawal the {$500.00} I had in it so I called Bank of America and they told me to call XXXX. When doing so I was told my account was frozen and I needed to provide identification for verification so I did and finally it went through on XX/XX/XXXX according to Ca XXXX. All the while my b of a account was in the meantime in the negative out of nowhere I learned since XX/XX/XXXX and continued rejecting payments and putting me so far into the negative the when I called Bank of America recently for the millionth time regarding this ongoing three mobth ordeal they told me that on XX/XX/XXXX XXXX payments were deducted by Ca XXXX causing all money tht was in my account was taken and my account was then put so far into the negative that anything that was deposited which wasn't anything close to the rightpaent amounts and schedule was immediately deducted due to my account being so far into the negative for God knows what reason.then on the XXXX of XXXX until now XX/XX/XXXX all payments were rejected said the bank of america claims person and told me XXXX has to reissue all payments from XX/XX/XXXX until now so I called XXXX. They said they put me on a emergency list for their finding specialist and I would have my money back within XXXX but probably at before then. I was so happy finally after months to hear this.it has now been over a week now since they said this.nothing has changed. Still none of the XXXX $ owed to me has been repaid. Now in the past three months almost that this has been going on i have lost my place of living and am now homeless as a direct result of this. I have lost countless things and this has caused great problems in my life.i now have nothing and can not live normal day to day life.it has ruined everything I had going and it won't end. I just want my money back. Please help me! I can't even afford to eat every day.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

My household had to apply for a forbearance plan due to a furlough. Once the forbearance period was set to end I opted to have all the missed payments added to the end of our mortgage for an extra 6 months of payments past the initial 30 year plan. I submitted on the website to go this route, sign and notarized paperwork to go this route, and yet despite that someone at LoanCare hit the wrong button and performed a completely unauthorized motion for us to go with a repayment plan instead of the loan deferral. I have called them 6+ times trying to take care of this until finally a supervisor today told me we are essentially stuck doing the unauthorized repayment plan despite there being notes in our account of approved claims for the deferral. I think they are trying to add a loan of missed payments to the end of our initial loan AND make us pay back what we missed during the forbearance as a way to double dip on a family that had unexpected financial troubles related to the pandemic. Now we can't even pay our normal what would have been due mortgage payment on XX/XX/XXXX because " their system is still processing ''. Well, it's been " processing '' for over 2 months now. They deserve to be sued into oblivion, I hope they go out of business.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 has violated my rights. Or 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 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (TX)

I have always made ontime payments and never been late yet Homebridge Financial reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

in XX/XX/year> vehicle totaled, my insurance company paid all but XXXX} of the balance remaining. Ally finance set repayment at XXXX monthly. I contacted ally spoke to several agents asking for a lower more affordable payment all agents declined to work with me. I have attached the dates and times I have spoken to Ally agents who declined to work with me.
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX 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 2023-02-09
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. (GA)

In accordance with the Fair Credit Reporting act, Experian has violated my rights. 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX