davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (VA)

This company has not responded to written request for account information and receipts for payments I sent in. Now they sent me a letter 4 days before due date {$690.00}, again with no interest info, no balance info, no response to emails sent XX/XX/2020 ; review of audio I send via email showing the predatory actions of your companys previous XXXX XXXX, va location. They have not contacted this entire time via usps as requested in my CAD ; that requires in writing communication or litigation. On my audio i showed you employees acting as others employees ( that were off that day ) just to talk about account and set up payment arrangement. Then when i would call back with the payment for payment arrangement the employee that I was told ai was speaking to would say I was off, you couldnt have spoken to me and im not accepting that payment. This happened three times ; their intention was to have the interest grossly accrue/induce charges due to my balance being over {$6000.00} at over 301 %. I even filed FTC complaint XX/XX/2020 ; in the companys response they lied about everything ; so I sent a copy of the letter and proof that it was lies from your counsel ; again no response from company. False statement such as saying I sent payment to wrong service center, I opened and only ever dealt with XXXX XXXX, va location. In addition you XXXX, va location processed one of the several money orders I sent but not others so that is unethical to choose when you want to practice the truth.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX : Has reported my debt twice  that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice  and are also reporting incorrect balances. I called Portfolio who is the other creditor reporting i owe them when its the same debt as XXXX but with a different amount. 

When i called Portfolio they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Consumer complaint received 2021-11-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have received collections notifications from XXXX XXXX services on multiple occasions. I am not aware or do not owe any amount of debt. I have Florida State XXXX and all payments were completed by the state. I am an indigent patient and I have contacted the collections agency on numerous occasions by mail. I am still repeatedly harassed by agents. These issues still exist and I am still getting notified. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$560.00}, {$770.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1800.00}, XXXX
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

JPMCB CARD SERVICES is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have sent out numerous disputes trying to remove this account from my credit profile. 
This request has been denied and I would like this inaccurate information to be removed. 


XXXX XXXX XXXX EQUIFAX XXXX
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

After filing four disputes on XX/XX/2021, Equifax failed to timely investigate and remove the inaccurate, outdated, and/or unverifiable information that I disputed. In addition, Equifax failed to indicate the actions it allegedly took in response to my disputes, when it finally acknowledged one of my disputes on XX/XX/2021. 

I again ask that Equifax remove the inaccurate, outdated, and/or unverified information that I requested more than eight months ago, in my disputes numbered XXXX, XXXX, XXXX, and XXXX. 

I also reserve all my rights under state law to bring civil action against Equifax for these failures.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Attention : TransUnion Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : po box XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : XXXX Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/XXXX
Consumer complaint received 2024-02-16
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. (NY)

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, 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-12-17
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. (NY)

In Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

Account : XXXX XXXX XXXXXXXX Open/closed Closed Date opened XXXXXXXX XXXX XXXX  Account type Credit Card BY XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) XXXX 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 war sever 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 2021-11-16
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. (PA)

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

Clarity is a credit bureau that obtains and resells consumer credit report information without consent. They acquired my credit information from Experian and resold it within the past 90 days. When I checked my Clarity credit report online with reference number XXXX on XX/XX/2024, I was surprised to see that the " Inquiries Viewed By Others '' section had XXXX outdated and old inquiries. Furthermore, I found that XXXX out of the XXXX inquiries were duplicates, as XXXX XXXX had reported twice with the same date of inquiry, and the XXXX XXXX XXXX XXXX was also reported twice with the same date of inquiry.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (LA)

Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : 8 am 11 pm EST Closed on major U.S. holidays XXXX Reported on XX/XX/XXXX {$11000.00} Dispute Reasons Accuracy : This account is too old to be on my credit report. 
This account is closed.
Consumer complaint received 2019-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX confirmed a {$11000.00} overdue balance ( >120days ) from a Bank of America card fraudulently in my name. This has massive affected my credit and inability to open a new XXXX premier international credit card. I have NEVER done any business with Bank of America. Never visited any BOA branch, opened a BOA credit card, BOA debit card, or BOA bank account. I received a letter several months ago from BOA about an outstanding account. I called them to refute, spoke to a verified representative who said I did NOT have an account with them and to disregard the letter. This is Fraud, clearly. This is extremely distressing. The only banks I have used in the past few years are XXXX, XXXX, XXXX online, and recently XXXX. I do a lot online so assume someone stole my identity. I have no outstanding debts, no loans, no mortgages, and all credit cards on auto debit. I would not have defaulted on any payments. I know nothing about Bank of America and need this wiped from my credit immediately. I have also reported this to my brother, who is a business lawyer. XXXX said the last four digits of the account # is : XXXX. I have no other information since I never dealt with Bank of America.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( Trans Union, XXXX and XXXX ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I went into a Bank of America service center to pay off my mortgage on XXXX I had the funds in my checking account and was advised that the payment needed to be a certified check so they took the {$42000.00} from my account for the check. They took the check and gave me the stub. 

On XX/XX/ I noticed that my mortgage had not been credited so I went back to the branch and was told I had to call the number on the back of my debit card. I called that number and was told to email a copy of the check stub along with the payoff statement to XXXX which I did. 

Called back on XXXX  and got someone at the XXXX center. I was told that it would be escalated and that I would get a call back by the end of the day. Did not receive a call back. 

Called again on XX/XX/ and this time got someone in XXXX. Now I'm being told to go back to the branch that issued the check and get them to do a " stop payment '' on it. In the mean time I've had to make another payment on the mortgage ( {$960.00} ) since a payment has not been credited. Went to the local branch and was told there would be a 90 day wait before they could cancel and refund.
Consumer complaint received 2020-02-11
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (OR)

Nelnet Class Action Says Income-Based Repayment Plans Cancelled. Student loan servicer Nelnet has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Consumer complaint received 2019-11-22
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. (TX)

Equifax is reporting incorrectly a current balance of {$760.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} current balance. I have attached a copy of the Statement for XXXX XXXX. This incorrect reporting of a balance due on this account is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. I have contacted the bureau to fix this however, I have not been successful.