davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this complaint for inquiries that is on my 3 credit bureaus. I have no knowledge of this company name " XXXX '' that is on all 3 of my credit reports. I have not communicate with XXXX in any way. Please direct the three credit bureaus to remove all inquiries listed as XXXX. This is a compliance violation of my right under the FCRA and FTC law as I am not given XXXX permission to pull my credit.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint for inquiries that is on my 3 credit bureaus. I have no knowledge of this company name " XXXX '' that is on all 3 of my credit reports. I have not communicate with XXXX in any way. Please direct the three credit bureaus to remove all inquiries listed as XXXX. This is a compliance violation of my right under the FCRA and FTC law as I am not given XXXX permission to pull my credit.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Several times in a month have been charge for overdraft fees sometimes i put money for any upcoming payment nd when payment get claim they said theres no founds i also supposed to have overdraft protection nd for some reason the bank let companies get money for my payments without me having the founds there
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

An XXXX account reached out to me asking to be my sugar mama and I agreed. This account then proceeded to send me a check of {$4400.00} on the XXXX of XXXX. I deposited the check into my account, I then called my bank to see if the check was fake because it was kind of suspicious but, my bank Confirmed then check. After confirming the account asked me to send them {$3900.00} and keep {$500.00} for myself. The same thing happened on the XXXX and the XXXX. On the XXXX however before I could send all the money too this account I received an email from my bank informing me that my account is being closed because the checks were fake. And I had already sent this account about {$7800.00} in total. This account never got back to me after that. I tried settling the issue with my bank but they told me they couldnt do anything about it.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/2021 I reviewed two letters from Select Portfolio Servicing. One said it was looking into matter and the other gives response. Did not take them long to present fraudulent information because XXXX XXXX letter said they would look into matter and XXXX XXXX is the fraudulent response because it was threatening. First, it falsely states I asked SPS to close my escrow account. I never requested such. Then the threats continue in the letter that effectiveXX/XX/XXXX I will be penalized if by fines and penalties and my property will be placed in tax lien. 
1. How do I change loan servicing entities so not to be harassed and ripped off by SPS? 
2. Why the threats when I asked clarification on why sudden increase on my monthly loan payments by 200-300+ dollars? I needed explanation. 
3. In XXXX, XXXX County, Texas, there is a property tax exemption at age XXXX. I am XXXX and wanted to know why property tax increases and insurance is the most affordable in Texas. My monthly payments should not increase. This loan is fixed rate.
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00}
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, XXXX XXXX and XXXX!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2022-05-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Hi I am former employee of Caliber Home Loans my NMLS # XXXX I left the company on my own accord. I was and employee for over 5 years. I quit once and they still hired me back so I think I am and excellent employee as well as XXXX XXXX  I am writing to you today due overt discrimination by Caliber to XXXX XXXX XXXXXXXX. Caliber is violating Reg B or ECOA. I have expressed my feelings to management over the years and some underwriters were dropped of our team but never reprimanded in any kind of way. Please investigate the loans that were in process and approved but were later denied for one thing or another but the main problem was that these were XXXX XXXX XXXX please review all loans under my NNMLS XXXX that were denied. These borrowers were able to obtain financing thru other companies. Thank you in advance.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called PRA. LLC and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.
Consumer complaint received 2021-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (CA)

This HELOC loan which was the obligation of my ex-husband XXXX XXXX XXXX XXXX was discharged in his Bankruptcy dated XX/XX/XXXX. The original servicer was XXXX XXXX XXXX  who then sold it to XXXX, assignment to XXXX on XX/XX/XXXX and then from XXXX to XXXX XXXX XXXX XXXX and then finally SLS. 
The HELOC was taken out by ex-husband XXXX XXXX XXXX XXXX only on XX/XX/XXXX, date of marital separation was XX/XX/XXXX, XXXX petitioned for Bankruptcy XX/XX/XXXX, Dissolution of marriage was finalized XX/XX/XXXX. Property was awarded to XXXX XXXX and XXXX was ordered to cooperate with a Loan Modification and to vacate the property by XX/XX/XXXX. I have been back and living in my residence since XX/XX/XXXX and current on my mortgage after XXXX Quit Claimed the home back to me. I was unaware of the lien on the property until SLS sent correspondence dated XX/XX/XXXX and XX/XX/XXXX with a pay off balance in the amount of {$220.00} XXXX and change. I am asking for the release of attached lien as I am not responsible for the HELOC and it was discharged in Bankruptcy in XXXX. ( BANKRUPTCY NO. XXXX )
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, Trans Union and XXXX!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-20
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I paid debt in XX/XX/XXXX have a legitimate release of liability and the collector that is contacting me 7 months later is saying they will have me arrested if I do not pay them immediately and that they tried serving me twice.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (TN)

I called One main who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. One main rejected my dispute, so I then sent more information to XXXX. Documentation from XXXX showing the account from One Main was paid and I now have a XXXX balance. One Main refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. One main is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Enterprise Systems, Inc. (TN)

I called XXXX XXXX who is the one who reported on my credit. They said they charged off the account it was sold off to NES. NES sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to XXXX. Documentation from NES showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX  XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.