davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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. (NY)

To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I had a Modification on my loan with Chase bank that had something called a balloon. I was told that I would be able to renegotiate this at the end of the term. I tried to refinance and they said I didn't qualify. I tried to modify and they denied that. I am XXXX  and XXXX  XXXX and have difficulty with XXXX XXXX XXXX XXXX. This XXXX is documented. I was told that I would be able to keep making my payment but the bank won't let me so now I have a late payment and they said they would foreclose.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX and Transunion are not employing procedures to assure the accuracy of the consumer report pursuant to 15 USC 1681 ( a ). Nor are they complying with the federal the federal laws that govern them, I Recent viewed both of My full reports from XXXX and Transunion, it shows that both agencies are reporting inaccurate information that adversely affecting my rights liberties and pursuit of happiness. Transunion is reporting {$15000.00}. for XXXX XXXX account, and XXXX is reporting {$14000.00}. for XXXX XXXX. Both of them fall under 15 USC 1681 ( e ) ( b ) accuracy of report, Also reporting transactions between the consumer and XXXX XXXX is not a permissible purpose according to 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ) and should be excluded from the consumers report. According to 15 USC 1681 ( b ) ( 2 ) permissible purposes a consumer reporting agency may furnish a report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. This is actual and constructive notice that you are no longer authorized to report this inaccurate information to my consumer report. This Inaccuracy in The reporting from bout agency has affected me in a negative way. I've been denied for products and services based of the in accurate information that is displayed on both platforms.
Consumer complaint received 2022-12-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA. XXXX D.O.B.- XX/XX/1986 S.S.N.- XXXX To whom it may concern : The following account : 1 ) XXXX XXXX XXXX ( Acc. # : XXXX ) is inaccurate and I ask that this account be removed from my credit report.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XXXX XXXX / Zelle Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

ZELE CASE NUMBER : Zelle Case : XXXX WRONG # : XXXX ) XXXX CORRECT # : XXXX ) XXXX We contacted XXXX bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( XXXX XXXX ) and informed them of the error and requested they send the money back to me. I have been in contract with the branch manager at XXXX XXXX at the below address. This is the location the receiver of our funds also went in regarding the issue. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that XXXX XXXX closed their attempt to recover because XXXX XXXX declined their attempt. They will no open another attempt to recover claim. 

XXXX XXXX provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX XXXX XXXX will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. We beg someone help us. XXXX XXXX will not provide us with our money back even when they took it from the receiver.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Upon the termination of my lease, XXXX XXXX XXXX sent me a deposit invoice with a final bill in the amount of {$6700.00}. I initially contacted them to dispute that I was not the only lessee on the contract and that my co-lessee should be responsible for half the bill. I then received a bill from the collection agency Hunter Warfield for an unpaid debt in the amount of {$8800.00}. I attempted to contact both XXXX XXXX XXXX and Hunter Warfield to inquire as to the nature of the discrepancy in price. The property services told me to refer back to my deposit invoice and refused to correct the information. I am disputing the amount owed on the grounds that I am not the only lessee, as well as incorrect debt amounts, and would like this removed from my credit report.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX ** PROP CASUALTY CO. I do not have a contract with The CCS Companies, and they did not provide the original contract as requested. This violates the FDCPA and the Fair Credit Reporting Act.
Consumer complaint received 2022-12-28
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-09
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: Capio Partners, LLC (GA)

I have been trying to repair my credit for over a year now after falling on hard times. I have monitored my credit daily and trying to research my options for debt relief. I have found that a company collecting a debt for medical bills has hit my credit report more than once for the same debt multiple times. They change their name and then re-report the same debt to my credit report. Every time my credit score drops because it looks as if it is a different debt. IE : In XX/XX/2019 my credit score was XXXX, a law firm by the name of XXXX XXXX XXXX/capio  reported 6 accounts as derogatory which reduced my credit score to XXXX. 7 Months later I had built my score back to XXXX, then the company Capio Partners LLC report the same 6 accounts as derogatory and my credit drops another 80 points for the exact same debt.
Consumer complaint received 2020-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had a heloc inXX/XX/XXXX with Bank of America. In the amount of {$56000.00}, of which I received ONLY {$25000.00} in XX/XX/XXXX. 
The HELOC reached a high balance of {$100000.00}, I believe, unbeknoweth to myself prior to XX/XX/XXXX. I learned of this error high balance upon speaking with a BOA representative while attempting to correct the item with the credit bureau. 
This item was on the file with the credit bureaus, in error, exceeding the seven year statute, from XX/XX/XXXXthru XX/XX/XXXX. 
I had great difficulty having this fraudulent act removed from my credit file. 
BOA charged off the account in XX/XX/XXXX, and sold the account to a collection agency, who I spoke with and are attempting to collect on an outdated account. 
The property was sold at XXXX County auction for one year unpaid property taxes, which was the equity for the {$56000.00} BOA HELOC. 
I never received a BOA bank statement concerning my HELOC deposit into my BOA checking/savings account, nor did I receive any deposit interest on the {$25000.00} that I initially received in the BOA HELOC, which possibly accrued interest adding up to over {$1000.00} per month for years, I received no withdrawal statements from BOA amounting to over {$81000.00} in transactions. 
I received a letter from BOA stating thefts from accounts at BOA and mine may have been affected in XX/XX/XXXX. 
In XX/XX/XXXX my BOA account had Overdraft fees for checks written on my account amounting to over XXXX XXXX dollars in less than one month, this did not include the amounts of the checks, which I know not, who wrote the checks, because I received no bank statements from BOA and I had an all time consuming fire in XX/XX/XXXXallegedly caused by a XXXX recalled fan motor. 
A successful Civil tort was pursued by XXXX  on my and XXXX  behalf of which I received XXXX proceeds for my demolished home insured by XXXX XXXX XXXX. 
Identity theft of myself by a BOA employee and fraudulent monetary gains activity, I suspect in this Bank of America matter. 
Again, I received only XXXX of a XXXX BOA HELOC with no interest added to my savings or checking account, that I received Not an amount of XXXX as BOA is alleging and investigating. 
I did not walk in and unlock the {$56.00} HELOC, as us required by BOA. 
I am ignorant to the dates and times and locations of the unlocking my BOA HELOC to the unheard of amount of {$100000.00}. 
The property in question was originally purchased in XX/XX/XXXX by myself for {$18000.00}. 
The HELOC loan amount of {$550.00} per month was more than it should have been on 4.5 percent interest rate for a {$56000.00} loan.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors (NV)

I spoke with the XXXX XXXX Business office prior to submitting my previous complaint against National Business Factor. They confirmed I do not have any unpaid medical bills. National Business Factor responded yesterday and reported I owed XXXX XXXX XXXX XXXX money for a visit back in XXXX of 2016. I then called the XXXX XXXX XXXX XXXX Billing office again. They looked up my social, my children 's social and that service date and reported that I have paid in full and I do not owe them anything. National Business Factor falsley reported that I owe XXXX XXXX XXXX XXXX money for a visit in XX/XX/2016.
Consumer complaint received 2020-03-25
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}
Consumer complaint received 2022-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (IN)

Ally Financial Bank is trying to contact a XXXX XXXX to collect debts. Ally is now calling both my wife and my phones to get in contact with him. We have informed them on multiple occasions that while I do know who XXXX is, I do not know his location nor a way to contact him. I have requested that they no longer contact either me or my wife. They continue to call. 

As of today, I have never had an account or debt with Ally Financial. Also, now when they are calling they are not up front in identifying who they are with or that this call is an attempt to collect a debt. They are calling from XXXX
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX  XXXX {$6800.00}
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ XXXX  monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX XXXX XXXX XXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance how can a charged off balance be at XXXX as of XX/XX/XXXX to Equifax which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Eqifax This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account