davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (GA)

When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just some of the items
Consumer complaint received 2023-04-18
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. (MI)

This is my first 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 CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-23
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. (GA)

When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just some of the items
Consumer complaint received 2022-05-23
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
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)

When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX - XXXX There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX. XXXX XXXX XXXX. XXXX XXXX. Bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX. XXXX AA XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX are just some of the items
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are 45 days apart.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.
Consumer complaint received 2022-05-23
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
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: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

XXXX XXXX, made phone call to company to resolve issue XX/XX/22 phone call to resolve and explain the situation XX/XX/22 sent written request and explanation Never received notice that there was ever a balance. Company saying that I never switched out of my name. But billed the landlord the bill. False address reported on my credit report- the address belongs to landlord. I personally, was never notified of a bill balance until it hit my report. False communication reported and false information. I have notified company multiple times and refuse to fix it.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2019-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IL)

I closed on my home on XXXX my first mortgage payment was due XXXX that payment was sent by my bank autopay on XXXX my second mortgage payment for was sent out on the XXXX because a letter sent out stating that another company would be servicing my mortgage. Now I have a two different companies servicing and to my there was a third. No took the time to update their system to see if I was current with my payments so my account is being tossed around like a football. The next I know I'm being overwhelmed with letters of pass due amounts to be paid in full, behind in payments, foreclosures, late charges, loss mitigation, corporate advance charges and loss of my home and so on all of this in one week what am I to do? I called to let them know that they in the worng but letters kept coming. They were harassing and bullying me using their CORPORATE scare tactics. To make long story short l got online and found CFPB to make an complaint. Also I had two different loan number
Consumer complaint received 2022-05-23
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXXXXXX
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX {$380.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/24, I sent a check via bill pay to a Church in the amount of {$1500.00}. The check was delivered on XX/XX/24. Based on the proof of payment from the Bank, the check cleared on XX/XX/24. The Church notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the Treasurer typically endorses the check prior to depositing the check.

I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to six different representatives, including a sr. escalation representative, and a level two representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (DE)

The store that owns the credit card is closed and filed bankruptcy. XXXX XXXX credit card was taken off of my credit report. It is now being reported negatively with incorrect dates. I am getting phone calls from unknown numbers, XXXX numbers, XXXX numbers and or any other number. They are calling repeatedly back to back despite being asked not to call. The calls start as early as XXXX XXXX  and are sometimes back to back different numbers or every hour for several hours.
Consumer complaint received 2022-05-23
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. (CA)

There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NH)

I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). 

XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX  . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. 

XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! 

XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.
Consumer complaint received 2022-05-23
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. (TX)

Experian has consistently allowed wrong and incorrect information to allow my personal credit report. I have contacted Experian for almost 2 years to try and get this information fixed and removed. Each time, Experian uses a different stall tactic. 

Experian has allowed XXXX XXXX XXXX to incorrect add information to my credit report. I contacted XXXX XXXX XXXX and informed them that there is an account that I've never had that is listed on my report. I was informed that this was not my account by XXXX XXXX XXXX XXXX Experian has continued to allow this information to be listed on my credit report. 

I asked them for an investigation of this matter and for proof of documentation that this account is mine. I still yet to receive this information. Also, this is not the only account that and inquiries that Experian has allowed to be put on my credit. 

Experian has also allowed the following accounts to remain on my credit report without a full investigation. These are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have fraudulent addresses and names that are not mine attached these accounts.
Consumer complaint received 2022-05-23
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. (CA)

XXXX XXXX XXXX  : Knowingly Reporting To All Three Credit Bureaus Fraudulent Account Status, Balance, Payment etc. Information. 

As you can see from the attachment XXXX XXXX XXXX  is reporting my last payment was XX/XX/XXXX and the account was closed/charged off with a balance of {$850.00} on XX/XX/XXXX. 

The supporting documentation completely contradicts their claims. As you see XX/XX/XXXX they accepted a payment, XX/XX/XXXX I could go to my online account to view my statement. Now the balance is paid they have suspended my account and reporting that the account is closed/charged off with a balance of {$850.00}. This inaccurate and negative remarks have adversely effected my credit score all while taking my payments. 

Please investigate this illegal activity and remove this misinformation from my report.
Consumer complaint received 2022-05-23
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: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX was sued for FCRA violation in 2021. XXXX still engaged in willful FCRA violations even after the lawsuit. As part of the Settlement XXXX will not allow any fraudster or promoter to look into my credit without my permission. XXXX violated the Terms of the Settlement in 2021.

( 1 ) XXXX allowed the following fraudster to look into my credit without my permission. 
Date of request ( s ) XX/XX/2021 SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX This fraudster and its CEO were also warned NOT to look into my credit report in 2021. But their criminality continued ( 2 ) XXXX reports wrong address ( below ) in my credit report XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. This has been going on for last 2 years and it was resolved in the Settlement. XXXX breached settlement ( 3 ) XXXX did not correct the balance as of my XXXX XXXX XXXX, as of the date it was reported.