davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-06-12
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. (IL)

XXXX ; XXXX and Transunion are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-12
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. (IL)

XXXX ; Experian and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX   XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

SENT FTC AND CFPB WITH XXXX, TU, AND XXXX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Consumer complaint received 2020-06-12
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. (IL)

Experian did not address my issue correctly in my previous complaint with CFPB. I am aware I must file a dispute for inaccurate or fraudulent accounts that reflects on my credit report. Ive took the steps that were needed to file my dispute with Experian directly on XX/XX/2020. So a dispute is currently in progress however, these steps have been taken in the past and nothing has been resolved which is why I took additional steps by contacting CFPB directly. Experian must reevaluate my complaint. I have contacted this bureau on numerous occasions to have the incorrect information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. The accounts that are reflecting on my consumer report that have been deemed fraudulent is XXXX XXXX and XXXX XXXX. So I will continue to submit my complaints through the CFPB portal as well dispute the information through the bureau directly until this issue is resolved.
Consumer complaint received 2020-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MD)

My husband and I closed on our house on XX/XX/XXXX. Based on my husband 's VA XXXX status, he qualifies for a real estate exemption in Maryland. We could not apply for the exemption until we closed and owned the home. We immediately submitted the necessary paperwork and the county sent us our property tax exemption form on XX/XX/XXXX. We had problems during the loan servicing process with misapplication of our initial payments and the SVP of Loan Servicing reached out to me after my prior CFPB filed complaint against this company - stating that he would personally see this is taken care of. I have reached out to him directly multiple times since this conversation and he claims that he has submitted the request to his team several times and doesn't understand why it hasn't been processed. The impact to this request is twofold : ( 1 ) it will reduce my monthly mortgage obligation and ( 2 ) it will prompt an escrow refund of a fairly sizeable amount of money. To continue to charge me for real estate taxes and to fail to refund my money back from escrow which we are exempt is criminal.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}
Consumer complaint received 2020-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX  has been reporting a business account that was never my responsibility. XXXX  has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

Capital One never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither XXXX  nor Capital One have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (TX)

Experian has been reporting a business account that was never my responsibility. Experian has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

XXXX XXXX never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither Experian nor XXXX XXXX have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Experian has been reporting XXXX collection accounts from XX/XX/2017intentionally damaging my credit history with reporting incorrect information of accounts that does not belong to me, not only that they refuse to investigate the accounts under fair credit reporting act causing me financial hardship due to their negligence. 
XXXX XXXX XXXX XXXX # XXXX FOR {$270.00} XXXX XXXX XXXX XXXX # XXXX FOR {$860.00} XXXX XXXX XXXX XXXX # XXXX FOR {$500.00} XXXX XXXX XXXX XXXX  XXXX for {$1200.00}
Consumer complaint received 2020-04-13
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a certified letter to Transunion Credit reporting agency asking them to please validate the XXXX  XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. 

On XXXX XXXX I was sent an updated Transunion Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. 

On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. 

I have yet to be provided with that information and the debts still remains on my credit report.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in XXXX.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened 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 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ONEMAIN FINANCE CORPORATION (IL)

I did not authorized one main financial to pull my credit report. I do not know who this company is. The company is not responding to my letter request to remove the inquiry off of my credit report.
Consumer complaint received 2020-04-13
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. (NJ)

equifax has been reporting two collection account with XXXX XXXX XXXX XXXX XXXX & XXXX, which does not belong to me & equifax refuses to investigate these accounts that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

CarringtonMS is attempting to sabotage my Credit report with each Repository, XXXX, XXXX and XXXX by Not XXXX Reporting that theyve gotten my {$77000.00} that was electronically sent to those XXXX  at CarringtonMS on XX/XX/2020 by the law firm of XXXX XXXX XXXX XXXX for the XXXX pay-off my Home loan, Loan number XXXX as a XXXX man! The President of CarringtonMS, CarringtonMS General Counsel and CarringtonMS Compliance has conspired to Report my home loan as still owed, a White Supremacy act against XXXX homeowners in this country, but what they dont understand is I walked away with {$85000.00}, I Fight Back!
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have made multiple attempts to remove inaccurate address information, etc, which has been part of the cause of identity theft. Experian denies all of the disputes I attempt, and I'm told to call a phone number during extremely limited and impossible hours. I also have submitted an extensive amount of documentation by USPS which they have failed to acknowledge and use. I have some false address information and other types of information that has been used in my identity theft which I have been unable to dispute and remove.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-04-13
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. (CA)

I opened three separate disputes with Experian recently. I submitted them screenshots of the errors on my reports and proof that the three separate loans have been paid off in full. XXXX immediately denied, via phone call, their false reporting to Experian and referred me to Experian to figure it out myself. I can't possibly fathom how Experian could look at my evidence showing the loans paid in full, which I suspect they failed to do, and also not notify me of their alleged investigation results, which was a total sham anyway. This isn't the first time that XXXX has blatantly lied in a scenario that I caught them in. This company has no ethics whatsoever.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am writing you to request the removal of the Default Judgment file from LVNV Funding LLC. 

I was not serve properly to dispute the two accounts. 

Inside the court documents, the server served the wrong person. The server states that she served the citation to a woman she confirmed to be me. But, the woman she described has a different age, weight, height and the woman confirmed of being me is from a different race. 

Also, the two accounts LVNV Funding LLC is attempting to collect were discharged in my ex husband Chapter XXXX Bankruptcy Court filling. 

I contacted the LVNV Funding LLC by phone and by mail and they only send general advertisement to ask me to pay the two debts.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported on my consumer report.
Consumer complaint received 2024-03-23
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. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!