davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

For about 2 years I have been working with the Express credit card fraud department and the collections agency that Express retained to collect reimbursement for the debt. Around {$300.00} was fraudulently charged to my Express credit card a couple years ago, and although Express confirmed it was identity theft and found me not responsible for the debt, they still sent it to a collections agency, XXXX XXXX XXXX. Express gave me the run around for a year and a half, which eventually led to two derogatory marks being reported on my credit report for the same debt.

I eventually reported this to the credit bureau directly, who removed the derogatory mark from Express but would not remove XXXX XXXX from my credit report. I then contacted XXXX XXXX directly and was given a fax number to send in documentation proving I am not responsible for the debt. I sent this documentation on XX/XX/year> and received confirmation that my fax was sent. Since then, I received a letter from XXXX XXXX acknowledging my claim and informing me that they were still reviewing it. However, in the last couple of months I have now started receiving emails from InDebted on behalf of XXXX XXXX, still trying to collect the debt. At this point, I have done everything I can to try and resolve this but no one is helping me and I keep getting the run around. I don't know what else to do!
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX, I spoke to a XXXX XXXX at ( then ) JG Wentworth -- now Freedom Mortgage -- about refinancing. He took my information and, after deciding he could get my mortgage refinanced, told me to apply and that he could get it done by XX/XX/XXXX. I sent all the documents he requested that same day. He did not disclose that AG Wentworth had been taken over by Freedom Mortgage. Had I known that this company was about to be transitioning to new ownership, I would not have applied. I had many choices, as I went through XXXX to find lenders. He chose not to tell me -- I know that he knew of the change because I asked him later, after I found about it from the loan processor when I was informed that she couldn't access all the documents I had e-signed. 

It is now XX/XX/XXXX. This is what we learned : 1. The notary came today, and I was told that there was an escrow fee -- XXXX said when we spoke to him XXXX that there would be no fees. The notary talked to the escrow company, pointing out that there was a credit to be applied, so no fees. The person she spoke to said that that was wrong, and that fees would be applied. 

2. Property taxes, homeowners insurance, and flood insurance were paid by the borrower and not to be included. However, the lender added flood insurance to the mortgage, raising the monthly mortgage. Loan processor didn't inform me of this. No one told me that Freedom Mortgage required this. 

I refused to sign the loan. I'm now searching for another lender, after three months of waiting. I wasted money on an appraisal, unless I can find somewhere that will accept the one they did. 

This loan rep was dishonest. This whole process was like being taken for a ride. Very unprofessional and disreputable.
Consumer complaint received 2022-10-16
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)

In accordance with the fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # XXXX 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. States that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-15
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. (TX)

I repeatedly am seeing updates on my XXXX and TransUnion credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
Consumer complaint received 2022-09-03
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. (NV)

I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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: General Motors Financial Company, Inc. (MD)

I visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GM Financial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XX/XX/XXXX. 

I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency. 

XXXX XXXX
Consumer complaint received 2022-09-03
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: Navient Solutions, LLC. (OK)

I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a devious complaint back on XX/XX/XXXX and Im still awaiting on a response. Not to mention Ive had two transactions that was taken out of my account and reversed due to this bank. One reversed charge in XX/XX/XXXX and the other for this month. For the transaction for XXXX I received an email and text message asking for me to confirm that it was my transaction by the XXXX XXXX  the next day however this bank paid the transaction then reversed it 2 days later. Well if you were waited on my response how did you pay the check? Fast forward to less than a week later after the above issue. I arrive to their ATM in the XXXX, GA location to make a withdrawal from my other bank account to have the transaction processed but not receive the funds. The issue with this is this is the 3rd time Ive had issues with one of their atms causing an inconvenience.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS ACCOUNT RESOLUTION for committing identity theft. I have never given ARS ACCOUNT RESOLUTION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from ARS ACCOUNT RESOLUTION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ARS ACCOUNT RESOLUTION can not provide me with proof such as a certified mail tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, then this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( including reporting of ; or verifying of this account on my credit reports. ), of this and any alleged debts until ARS ACCOUNT RESOLUTION can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS ACCOUNT RESOLUTION continues its collection efforts, I will file for litigation for actual damages caused and ARS ACCOUNT RESOLUTION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Please attach copies of : Any agreement between you, myself and your client that grants you the authority to collect on this alleged debt ( trilateral contract ), or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
Consumer complaint received 2022-04-16
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: I.C. System, Inc. (NC)

XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Consumer complaint received 2023-10-30
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. (TX)

the inquiries are not mine. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - These inquiries are incorrect please remove.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

So I discovered about this XXXX XXXX Credit Card which was charged due to missing payments on my credit report. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have 2 active credit cards which are on my report and in good standing. This charge needs to be taken off from my credit report as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on Experian to which I can call to. I have already filed dispute with experian which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my credit score.
Consumer complaint received 2023-06-27
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)

Dear Transunion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account name and date are listed below! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

thank you!
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

After reviewing my credit report, I notice a few tradeline accounts that were not removed from my credit report. 

On XX/XX/2019 a claim was submitted to the CFPB claim # ( XXXX ) for fraud on XXXX. After a review with the Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX. It has come to their determination that Based on a preliminary investigation, FedLoan Servicing submitted a request to the nationwide consumer reporting agencies to remove the loans from my credit report per their full investigation. 

As of this XX/XX/2019 these trade lines still appear on my credit report with equifax. 

Please email me proof that these items were deleted from my credit report. 

XXXX Thanks XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Onemain
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have 2 paid off cars with thr state employees credit union and they are holding both titles for collateral even though that wasn't agreed upon. They also sued me for the same matter
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Not reporting correct amount -- -> XXXX I have disputed this matter with all three credit bureaus as well as credit card company, XXXX XXXX I disputed a charge on my credit card after not receiving the product. And XXXX removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. XXXX did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and Equifax and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from XXXX. The last response I received from XXXX was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years. 

Equifax XXXX XXXX, XXXX / XXXX. XXXX XXXX / XXXX, GA XXXX XXXX  / XXXX. XXXX XXXX / XXXX, TX XXXX