davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Consumer complaint received 2021-01-05
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, Equifax and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Consumer complaint received 2021-09-20
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Last 4 of SSN : XXXX The following account was charged off as of ( XXXX, 2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX Best Regards, ENCLOSED IN COMPLAINT ARE MY BILL AND IDENTIFICATION CARD
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-01-05
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. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted Transunion, XXXX  and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Consumer complaint received 2021-09-20
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. (SC)

I submitted a request to investigate certain accounts on my XXXX and Equifax reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both XXXX and Equifax for failure to respond to both of my requests.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (MD)

I had subscribed to XXXX in XX/XX/XXXX while switching over 2 lines and because the reception was poor, I had cancelled the plans in XX/XX/XXXX, within the 20 day window. I had received the XXXX return label and had shipped it out in time. Had expected the lines to be cancelled and my auto-payment stopped, but that never happened until I realized it on XX/XX/XXXX and called the customer service and was assured that the amount be refunded, which it was - but only partially. 
then in XXXX, I received a notice of payment for an amount of {$230.00} with a last date of payment on the invoice of XX/XX/XXXX. I received the latter on XXXX XXXX and made the payment on XX/XX/XXXX. 

However, the account has now gone into collections for no reason whatsoever, and charging me an addition {$59.00}, which was not in the invoice I received in XX/XX/XXXX.
Consumer complaint received 2021-09-19
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: LEXISNEXIS (PA)

Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/2021, my identify was stolen and several fraudulent accounts were opened with my social security number at the local mall. I was alerted to a XXXX credit applications by my credit monitoring company, and then subsequently learned of XXXX, XXXX XXXX, and XXXX XXXX. I was not alerted to the XXXX XXXX  account, held by Comenity, until I received the statement in the mail. I received the statement on XX/XX/2021 indicating a charge of {$3800.00} on XX/XX/2021. I immediately called the fraud line, talked with XXXX, ID XXXX who initated the fraud alert. Case # XXXX  XXXX. 

I filed a fraud report with the 3 credit reporting agencies and have had a credit freeze with all 3 credit reporting agencies since XX/XX/2021. 

I filed a police report for the XXXX XXXX charge as well. I called for a status update on XX/XX/2021 and was told the investigation was ongoing. I verified my credit XX/XX/XXXX to find the charge to have been removed. 

Dated XX/XX/2021, I received a letter from the Account Protection Team deeming my fraud dispute wrong, and reinstating the balance and payment dates. This is wholly inaccurate and I will continue to pursue.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2021-01-05
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)

I am writing today in regards to two accounts I have reported on my Transunion report which is reporting inaccurately. 1. XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX. The payment status for both these accounts are listed as Late 90 days this issue is that this is not accurate since it is paid off account with a XXXX  balance. 

I have notified Transunion on multiple occasions without getting responses.
Consumer complaint received 2021-01-05
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MN)

On XX/XX/20 I sold my property. The mortgage, held by Dovenmuehle, was paid in full. 

The balance of the escrow account at the time was {$3000.00}. On XXXX an additional automatic payment was deducted from my bank account in the amount of {$1900.00}. The total due to me is {$5000.00}. 

To date I have not received any refunds. Dovenmuehle website shows two payments were made to me on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$1100.00} and {$1900.00}, but those checks were never received. I have a mail forward to my current address, so any checks mailed to the property address would be forwarded to me. 

The escrow account currently shows a balance of {$1900.00}. I have called three times since XXXX and have been promised that someone will fix this and send me my money, but no-one has. 

As it has now been over 4 months since the account was closed, I would appreciate your prompt attention to this matter and to the issuance of the refund, which currently stands at {$5000.00}.
Consumer complaint received 2021-01-05
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: OneMain Finance Corporation (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, ONEMAIND add a hard inquiry on my credit report. On XXXX. XXXX, 2019, XXXX XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2024. I, XXXX XXXX XXXX and my Wife, XXXX XXXX purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. The XXXX application was for my wife XXXX XXXX XXXX XXXX and her company XXXX XXXX XXXX. I believe, the Salesman/Finance Department incorrectly entered my name in the Loan application by mistake. All the other information such as social security, phone number, email address and signature were my wife 's. They had to redo the application with the correct name. My ( XXXX XXXX ) credit information was never disclosed not provided. Also, I did not physically sign any documents such as credit application. I am attaching all the documents for Reference : 1. Credit Application- Has my name ( As a mistake, but all the information in the application is for my wife ( XXXX XXXX XXXX XXXX My name should have never been on the application in first place. 

2. I never provided nor signed any documents with my personal information.

3. Letters from Lender showing the inquiry hit.

4. Current Loan documents which shows the loan is under my wife 's ( XXXX XXXX ) name.
Consumer complaint received 2021-01-05
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. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, XXXX  and Experian on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PINNACLE FINANCIAL PARTNERS, INC. (NC)

My Son XXXX XXXX XXXX is using my information to open bank accounts in my name because he owes IRS over XXXX XXXX dollars in back taxes. Pinnacle Bank in XXXX NC is allowing XXXX and XXXX XXXX to use my personal information. I did not authorized Pinnacle Bank to open or use my personal information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend this account : XXXX XXXX
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

There is no means to freeze my credit with Experian. I was able to successfully freeze my credit on the other 2 bureaus. But Experian doesn't allow an option to freeze my account from within my already registered and verified account. It forces you to fill out a form here XXXX XXXX XXXX So I have re-entered the information ( which is less secure than a verified session after being logged in behind two-factor authentication ) But even filling out the form accurately it will return an error " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' This is unethical practice to make security freezes near impossible to achieve to push their paid service which does the same thing called " XXXX ''