davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

I switched cell phone carriers early XXXX from XXXX to XXXX  some Month later XXXX came back with a residual amount of XXXX I disputed this amount and asked for quantification after reviewing the info I paid the residual amount XXXX on XX/XX/XXXX. 
I have spoken to the collection agency on XX/XX/XXXX and asked why am I being harassed over this matter since it has been resolved. XXXX the supervisor assured me that this is resolved but I am still receiving phone calls both at home and on my cell phone I have received 17 calls from them between XX/XX/XXXX thru XX/XX/XXXX many of which are hang ups or with know one answering.
Consumer complaint received 2022-12-26
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-26
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. (MI)

Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NH)

XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents. 
XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance. 
I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage. 
I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement. 
On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents. 
On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available. 
On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account. 
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. 
On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid. 

I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments. 
This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit. 
I have also not received mortgage statements for the past three months.
Consumer complaint received 2022-12-26
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. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 the date of receipt.
Consumer complaint received 2022-11-12
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 was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : XXXX XXXX
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

I was a victim of fraud. Someone scammed me via telephone, saying that they were XXXX, regarding a cable promotion. I answered the phone call thinking that they were a legit representative from XXXX and XXXX, which they were not. They talked me into getting my credit card information and they tried to steal {$4500.00} off of my credit card and tried to put the money on gift cards to obtain services, but never received the services. They did charge my credit card, which they did it as a cash advance, which I did not authorize. Therefore, I was able to retrieve my money back by contacting Navy and allowing them to assist me in correcting the issue. Therefore, it has caused my credit card to be charged double interest because Navy Federal Credit Union treated this as a cash advance and is still charging me double interest, which I should only be paying one interest on my own charges purchases. I contacted them about that, but they never fixed the issue. Please correct this matter immediately, where I am ONLY charged for one interest, which is for purchases and not cash advances. Thanking you in advance.
Consumer complaint received 2021-09-06
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. (AL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (WI)

Please reopen complaint XXXX. 
I have not received a response to my settlement request that was made several times in writing to the company. They state they have tried to reach me, but this is false. I do not have a phone and they have not responded via mail, even after being given my current address. This company has not provided a proposed response to my settlement request and is blocking my ability to settle this debt by ignoring the request.
Consumer complaint received 2023-12-28
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. (TN)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
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: EQUIFAX, INC. (NJ)

I have attempted to remove the following inquires on several occasions with no success. 
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
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thunderbird Collection Specialists, Inc. (CA)

TCS is reporting this debt to the credit bureau 's beyond the 7 year statute. The original delinquency for this debt was XX/XX/XXXX, the judgement was issued XX/XX/XXXX. The foreclosure on this property extinguishing the debt was XX/XX/XXXX. All of this information has been provided multiple times to Thunderbird Collections.
Consumer complaint received 2020-01-09
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. (FL)

I have two accounts on my credit report with XXXX, XXXX XXXX, Equifax that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Consumer complaint received 2020-01-09
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. (FL)

I have two accounts on my credit report with XXXX, Trans Union, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Consumer complaint received 2022-11-12
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: 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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment on XX/XX/XXXX incorrect reporting, I have no late payments on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2022-12-26
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: SANTANDER HOLDINGS USA, INC. (SC)

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 Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.