davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (PA)

My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, XXXX, and Transunion explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. XXXX has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so. 

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (NC)

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help me.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Collection Systems, Inc. (TX)

Specialized Collections is reporting multiple inaccurate collection accounts on my credit reports. I am not familiar with these accounts and have reached out to them to get documents concerning these accounts as well as validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. These accounts should be deleted from my account now!
Consumer complaint received 2023-01-28
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: Upstart Holdings, Inc. (TN)

On XX/XX/2022, I received a letter from the Consumer Protection Division of North Carolina and I filed a complaint against the company Upstart. Their investigations concluded that with identity theft documents and multiple complaints, they were still trying to hold me liable for debt that they could not validate. They mailed me a number of copies of documents saying I took out the loan but none of them proved it was me nor did it bear my wet ink signature of any sort. At the time I was in the middle of trying to purchase a home and this debt was holding me up so I was going to attempt to settle the debt even though it was not mine. I contemplated for weeks on making the payment but I decided against it as it would hold me liable for this debt and I never agreed that it was mine. In their letter, they stated that they conducted multiple investigations but they never went outside of their company to find out if the debt was truly valid. They wanted me to provide them with bank statements proving the account the money went to was not mine or to return the funds. If you did a proper investigation into the matter then you should already have that answer but they also stated they would investigate further with that information. They wanted me to settle for {$2700.00} on a debt that was original {$7900.00} but I like I said I refused to take ownership by doing so and I didn't pay it.
Consumer complaint received 2023-03-15
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXXXXXX XXXX XXXX XXXXXXXX : {$3200.00} XXXX XXXXXXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$49.00} 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 {$10000.00} XXXX XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  {$1600.00}
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have had an ongoing issue with Equifax. Lenders are unable to pull my Equifax credit report ( no issues with XXXX or XXXX ). I have had no luck with addressing the issue over the phone, I keep being told that there is nothing wrong. I cant even pull my free annual credit report. This is making it very difficult to get a loan and I do not know what to do. Equifax has no answers, solutions or even direction for possible resolution.
Consumer complaint received 2023-03-15
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)

This is my Follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} 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
Consumer complaint received 2023-03-15
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. (MS)

I have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I thank you in advance.
Consumer complaint received 2023-03-15
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00}
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 on XX/XX/23, 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 them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

My now ex husband refinanced our home multiple times without my knowledge. The lender sees nothing wrong. Well, what Wells Fargo has on file doesnt even match what XXXX XXXX has on record. My now ex husband refinanced in XX/XX/XXXX, somehow taking my name off the loan? Getting a whole new loan? How is this possible without me even knowing? He did a modification in XXXX of XXXX. The records XXXX XXXX has show us supposedly signing in front of a notary on XXXX XXXX. I was in XXXX! I spoke with the notary and she denied notarizing the loan, until she was contacted by the detective for the sheriffs department. She told him I signed in front of her. That is a lie, and I had the proof to show him. He didnt care to see anything I had. The notary said I signed in front of her so the investigation was at a stand still? Wells Fargo sent me a copy of the same modification. Not only did they have a totally different notary on their papers, but, she signed and notarized on XX/XX/XXXX, and XXXX XXXX and I supposedly signed on XX/XX/XXXX. Wells Fargo sees nothing wrong with just that? 
They are trying to assume 0 responsibility for all of this because they no longer have the Loan? Well, they are the ones that helped cause this nightmare I am now living! I cant do anything because nobody will talk to me as Im not on the loan!!! He borrowed against my home in XXXX of XXXX. While we were going through the divorce. I was and still am living in my home. 
The deed shows my house is in XXXX XXXX XXXX? No, no its not. Its in XXXX XXXX, and that whole deed is nothing more then a scam anyways. I blame Wells Fargo for this mess. For letting him borrow borrow borrow without me even knowing. I am on the deed and the title and the original note from XXXX of XXXX. As far as Im concerned, this is mortgage fraud at its finest. I feel I have been discriminated against because Im a woman. So naturally I must be overreacting? No, no Im not. I am reacting. There should be consequences for this sort of thing. I have been fighting a battle to keep my home, all because of an incompetent lender.
Consumer complaint received 2023-03-15
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 am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft 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 2021-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

XX/XX/XXXX i made a purchase at XXXX XXXX  in XXXX for XXXX which was authorized by me. then on XX/XX/12 with no explanation DIRECT XPRESS made a debit card adjustment in the sum of XXXX and this amount was deducted from my account again. i do not want my card cancelled. i would like the debit card adjustment returned to me. i spoke to the merchant and they did not have anything to do with this and direct xpress can not explain it. I DO NOT WANT MY CARD CANCELLED BUT RATHER THE DEBIT ADJUSTMENT REVERSED.
Consumer complaint received 2024-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

XXXX XXXX XXXX XXXX XXXX matured. On XX/XX/year> requested a transfer back to my XXXX  XXXX XXXX account which was used to fund my Marcus account. When I tried to transfer the money out of Marcus the problems began. When I called to find out why the transfer was taking so long, they told me they could not verify my phone number to send a PIN to, because some " system '' they will not elaborate on says my phone number does not belong to me, and I would have to call my phone company to correct it. As if. The phone is in my name and has been used to confirm identity every time I've logged in since I opened the account. They will not answer any questions online, or by phone. XXXX different people including a supervisor refused to help me. I have my password, secret word, social all verified, and my phone number has not changed. Upon reading other reviews, I see many people only encounter a problem when trying to close the account or transfer large sums.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Carmichael & Frost LLC (TX)

XX/XX/XXXX formal letter stating Im not the person they are looking for. They looked me up and then began texting me. They are not looking for me but they continue to harass me.