davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (GA)

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. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2018-09-19
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX   ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.
Consumer complaint received 2022-05-20
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. (GA)

In accordance with the fair Credit reporting act the list of accounts below have violated my federally protected consumer rights To privacy and confidentiality Under 15 USC 1681 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

None of these companies had XXXXXXXX XXXX written consent to report 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Information excluded from consumer reports Except as authorized under subsection ( b ), 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. 

Accounts that need to be removed below XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (PA)

There were two ( 2 ) charges made to my account ( {$1.00} and {$29.00} ) on XX/XX/2019 that was not authorized by me. I spoke to XXXX ( a supervisor ) from Citibank on XX/XX/2019 @ XXXX XXXX EST and she told me that she could not return my money back to my account. 

I would like you to help me get my money back.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ENHANCED RECOVERY COMPAN XXXX Balance {$600.00}
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

SOUTHWEST CREDIT SYS XXXX Balance {$1000.00}
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

The amount was paid in full through my financial institution bill pay on date due. The account number was changed. Synchrony Bank/SteinMart was able to submit and withdraw the full amount. A phone call was made to representative, XXXX ID # XXXX on XX/XX/2019 waiving the fees. However fees continue with finance and and interest charges to date. Two written letters have been sent to the company with explanation. I explained that I will not accept phone calls only through written documents. I continue to ONLY receive billing statements no written letter. I always pay this account in full.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX, on XX/XX/2023 -- -XXXX XXXX XXXX on XX/XX/2023 -- -XXXX on XX/XX/2023 -- -XXXX XXXX on XX/XX/2023
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (CA)

My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX XXXX XXXX  # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : XXXX XXXX XXXX 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Credit Card Payments Credit Card Payments - {$340.00}
Consumer complaint received 2022-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In XX/XX/2022 I applied via XXXX. I asked for my previously denied payments to be accepted. I was denied again. Payment plan FedLoan set up for me ( IDRP ) was impossible to pay. My income was decent for US standards, but I live in NYC with XXXX kids.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I sent a {$15000.00} XXXX check to my US checking account, Pentagon Federal Credit Union, with the required special international form on XX/XX/2021. It was sent registered and signed for on XX/XX/2021 at XXXX. The funds have yet to be deposited into my account. I have called numerous times, and have been told the funds need to go to a 3rd party, XXXX XXXX, and it could take 4 to 6 weeks. My XXXX account informed me the check was cashed XX/XX/XXXX, but as of today, the funds have not been deposited into my checking account. I have no clue where my money is, and who is collecting interest on my funds.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

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

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance {$200.00}
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

received two un solicited inquiries through Experian one from XXXX XXXX  in XXXX XXXX, ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to Experian nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

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

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY A XXXX  Balance {$460.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (GA)

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

The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC XXXX Balance {$10000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have been trying to get my information updated on my credit report. I have reached out to XXXX. XXXX, & Equifax. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (WI)

XXXX of last year, I became suspicion that my loan with then XXXX XXXX inXX/XX/XXXX may not have aboveboard. In XX/XX/XXXX, my loan was processed primarily via certified mail and phone calls. At the time, the mortgage broker contacted me to refinance my mortgage was in a financial rut and credit was very poor. I realized that should not have been approved for a loan of {$75000.00} given checkered credit history. 

So, I decided to review how my loan was processed to allay my suspicion that my was not kosher. I requested a facsimile of the documents generated during the process of my. Caliber Home Loans, the mortgage holder, informed me in writing that the documents I requested were proprietary as such would not be made to me, mortgagee. For several months, Caliber Home Loans employed duplicitous tactics to thwart my efforts to obtain access to the documents that I requested. 

In XXXX of this year, Caliber Home Loans ' Attorney, XXXX XXXX, made the documents available to me. After a thorough perusal of these documents, I uncovered conflict and discrepancy between the settlement statement with respect to the actual amount that then XXXX XXXX paid to my first mortgage holder, XXXX XX/XX/XXXX. I found a distinct difference between what was recorded on the settlement statement vis a vis the document that was sent to XXXX XX/XX/XXXXto settle my principal balance. Also, the settlement statement suggests that I received a payout for {$1400.00}. I saw no other document that shows that I was given a payout during the process. Also, as I have argued ad nauseam during the past eleven months that I do not recall that I received such a payout. Again, the process of my loan was done in such an unconventional manner virtually by certified mail and phone calls, I suspect that a lot of errors was made given how my loan was initially processed. 

Given the discrepancy and the aforementioned conflict, in an email dated XX/XX/XXXX, I requested a facsimile off the checks that then XXXX XXXX issued to me and two creditors, XXXX XX/XX/XXXX and XXXX, both defunct. 
Shortly thereafter, I was informed by Caliber Home Loans ' Attorney that the documents that I requested were not in its possession. It's highly inconceivable that Caliber Home Loans does not have in its possession any documents that would corroborate whether I received a payout for {$1400.00} as recorded on the settlement statement. Also, it's not possible for Caliber Home Loans to not have any documents in its possession that would confirm how much then XXXX XXXX paid to XXXX XX/XX/XXXX to settle my principal balance besides the settlement statement & loan agreement.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Account Name : XXXX ( Original Creditor : XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 



Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2022-12-16
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. (MO)

XXXX XXXX XXXX XXXX XXXX has been reported as late payment, the alleged debt is in dispute and was discharge by IRS XX/XX/2022. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX XXXX is the person making the report. My transaction is my payment history for an alleged debt. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX XXXX XXXX XXXX XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX XXXX XXXX XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681 ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX XXXX XXXX XXXX as no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (VA)

I opened a checking and a savings account on XX/XX/2021 online with BMO Harris bank. I funded each account with {$25.00}, for a total of {$50.00}. I received a letter a couple of weeks later asking me to provide copies of ID card, Social Security Card and utility bill. My accounts were frozen and I lost access to them online. I called the customer service line and was asked to email the docs to XXXX, which I did on XX/XX/2021. A week later today, I have yet to hear back from the bank, and I still do not have access to my online accounts, nor do I have access to the funds in my accounts.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING XXXX Balance {$170.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (IN)

I contacted Santander Consumer on XX/XX/XXXX @ XXXX XXXX about the litigation due to deception and predatory lending practices and I was immediately ignored. The gentleman by the name of XXXX when I asked about the lawsuit and if my loan qualifies for the class action lawsuit or if my loan amount that was owed would be removed he told be the only way I can remove it is to go into court and file for a cancellation of debt. I assured him that the company Santander was in the middle of litigation and he told me basically my loan did not qualify. 
The remaining balance owed on the vehicle is XXXX I have attached the article and the litigation information through two ways I am going to list the web addresses with a copy of the first few pages of the documents explaining the process. 
XXXX My email address is XXXX XXXX
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (RI)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE