davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (WA)

I have read over all the documents that was sent to me, my middle name is not on the documents they provided a address that never belonged to me and looking over all the paperwork that was sent to me the accounts balance is wrong.. theres three different balances from the beginning of the car loan and you cant have a balance when a account is closed and this account is merged with XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I disagree with the account listed below which still appears on my consumer report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 95-506, Title Vl, Section A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me an updated copy of my consumer report after your reinvestigation.
Consumer complaint received 2022-06-01
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. (NC)

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation 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 items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXXto file a complaint as well.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

While I was moving I lost my folder with my personals such as SSN and DL. As the account was opened fraudulently to an address I have never lived in. I have contacted the collection agency and tried to dispute the debt and at this point even set up arrangements to settle the debt for a lower amount just to get it off my credit report but the company refuses to cooperate.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a 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.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

It has come to my attention that Experian has committed trespasses on my rights by violating the FCRA by not properly reporting my personal information and refusing to report my personal information correctly. OnXX/XX/2024 I notified Experian that I was in the process of purchasing a home and my credit score was not reporting on my credit report due to not having an address associated with my name according to my realtor who pulled my credit report. Experian told me to mail in my ID and a utility bill to verify my identity even though they verified my identity by book entry of the social security number on file. Experian refused to comply with the FCRA and my oral instructions to correct my address.
Consumer complaint received 2024-06-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MI)

As I feel that is bank should pay the claim of the sum that you created XXXX as I have constantly suffered from identity theft fraud and my mortgage broker XXXX identity theft fraud claim department XXXX spoke to me XX/XX/2024 at XXXX for XXXX minutes and he assigned claim no. XXXX. 

Police report XXXX Affidavit of Forgery completed XX/XX/2024 I were successful filing with XXXX XXXX two claims each for XXXX XXXX and XXXX. 

On XX/XX/2024 I spoke with XXXX XXXX XXXXXXXX internal affairs fraud investigator XXXX whom ask me that for the 15 years of not being able to get my XXXX benefits how much would I say my case is worth and I said XXXX and he then said XXXX it will be and that he are putting it in the system. He did that because the next 10 calls I made to boa they confirmed yes it is there. 

All my XXXX, XXXX and mortgage benefits XXXX XXXX from XXXX here on an visa using two fake SSN numbers XXXX and XXXX has gathered all my benefits into his business account at XXXX known as XXXX XXXX XXXX XXXX Illegally.
Consumer complaint received 2022-06-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (MO)

I have had repeated calls for my brothers x wife, XXXX XXXX for an auto loan with Ally Financial in XXXX XXXX MO. I have on two occasions asked for my numbers be removed from the lists for this person. I am not a cosigner or a reference for this individual. I spent literally two hours on the phone and this company can not locate the calls made from a XXXX XXXX from XXXX. After expressing twice to not call and being assured two week ago that I will not get another call the agent calling hung up once I advised I will file a suit. This is not my loan and not my responsibility to take hours of my time to contact these idiots. Can the CFPB please help. I will add that i have a few voicemails as well that violates regulation F that occurred within a 7 day window.
Consumer complaint received 2022-12-18
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. (NY)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.PORTFOLIO RECOV ASSOC AMOUNT XXXX XXXX DATE OPENED XXXX 2.XXXX XXXX  XXXX  AMOUNT XXXX XXXX DATE OPENED XXXX 3.XXXX XXXX   XXXX  AMOUNT : {$2000.00} DATE OPENED XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX DATE OPENED XXXX INQUIRES XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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)

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX  {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have an account that is paid and still reflects Negative information on experian credit report experian will not correct the information properly. Experian continues to report inaccurate information Potentially Negative is hurting my score and preventing score updates and loan or other approval
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I can not login into my Experian account, and can not find a representative for assistance. I have lost about 4 hours over the last 24 hours trying to effectively reset my account password and unfreeze/freeze my credit. 

XXXX I finally reached a representative who reset my password, but my account has been locked and the online reset didn't work. So I needed to reach a representative again. I don't know how I found one to start with, since the phone queue does not have an option for a representative. I am really stuck and cant get help. 

The Experian phone log refers to a link on the Experian webpage for problems logging in, I can not find it XXXX Today I tried to reset my password and it didnt work. I receive the link but it said the Experian webpage was unable to change my password. I dont know if this is a website problem or my account is locked. I tried to reach a representative but I need a business account to reach someone, not a personal account Today emailed XXXX and am waiting for a reply Can you please ask Experian to help me with my account access? I need to update my security information and have access to freeze/unfreeze my credit. A phone number for a real representative that doesnt filter me out would be great
Consumer complaint received 2023-02-21
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX  Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX
Consumer complaint received 2019-07-04
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. (NC)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  )
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

My name is XXXX XXXX XX/XX/XXXX. I am writing in reference to an account being held by AFNI for XXXX XXXX. I asked PREVIOUSLY when XXXX XXXX held this account to be sent proof that this was MY account. XXXX ( on file with your company ) decided to STOP collections and send it back to XXXX, who then gave it to AFNI. I am still not for certain that this is MY legal account. I have not seen anything BUT billing statements, but NO letters with my signature, contracts with my signature. I ask that all COLLECTIONS be STOPPED on this account and that it be removed from my credit file if they are not able and willing to supply appropriate validation of the account. Validation is MORE than sending me a copy of a billing statement, I would like to know when this account was open, by whom, where? What documentation do you have for the account? 
Please send these requested items to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

My main request is to have PROOF and if validation can not be done THOROUGHLY and professionally with the appropriate documentation I want THIS ACCOUNT REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2022-06-01
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. (IL)

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX  {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (MS)

I was in the process of my credit rebuilding journey, didn't know much about maintaining/organizing good credit history. I was on XXXX  and ran across credit rebuilding tips. Self Financial INC/LEA has a ''secured '' credit builder loan. Didn't understand it fully, signed up XX/XX/XXXX for the secured loan of {$530.00} During the Pandemic, I was struggling. Didn't think because it being a secured loan. Didn't thinkt hat it would impact me negatively! I never sent any money or used the account. Now 30/60/90 day ''late payments are on my credit report. I closed the account, disputed with all 3 bureas to have the account removed to no avail.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

On XXXX XX/XX/2022, I sent PHH Mortgage notice of error in the payment of property taxes for my home. Follow-up emails were sent regarding this nonpayment in XXXX, XXXX, and XXXX. Last week, I received notice from the XXXX XXXX government that these taxes remain unpaid. To date 50 business days have now passed since PHH Mortgage received the initial notice of error. At the end of XXXX, I sent them written notice to immediately make full payment including any late fees or penalties and send me proof of payment. Their response was the same I received with every contact - I would hear something in five business days, which to date I never have. Yesterday, I informed them that if this was not dealt with the same day, I would file a complaint with the Consumer Financial Protection Bureau. I feel that they have not fulfilled their obligation to correct their error within 30 days. I am seeking your help to compel them to immediately make their payments.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has been calling more than 7 times in 7 days. They also called the same day after they had already spoke with me today. I know these are no nos. I expressed as much to them and they tried to tell me they weren't harassing me. They call from multiple numbers and sometimes with a blocked caller ID. XX/XX/XXXX XXXX spoke to someone about harassment. She said she'd notate the account. XX/XX/XXXX XXXX told them they'd called me more than 7 times in 7 days and the rep hung up on me. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX the called private. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX they called private. XX/XX/XXXX no calls. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX, XXXX, XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX, XXXX, XXXX, XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX no calls. There are more calls prior, but these are the last 7 days.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

Macy 's ( account number XXXX ) is currently reporting an account that is not mine to XXXX and XXXX as late.I 'm a victim of ID theft and it 's various information on my XXXX and XXXX report that is not accurate including this account that is over 7 years old that just showed up as being late. My ID theft number is XXXX and I also have a police report number. I request help in getting this inaccurate information removed from my credit profile immediately.
Consumer complaint received 2019-07-04
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. (MD)

This complaint is against XXXX XXXX XXXX XXXX of Maryland also known as XXXX. My member ID is XXXX. XXXX has erroneously reported that my line of credit is a charge off to Equifax. I have never been late on a payment to XXXX  and I paid the balance down to XXXX in XX/XX/2019. I took out a XXXX loan on the line of credit on XX/XX/2019 and on XX/XX/2019, XXXX reported the XXXX as a charge-off. I have attached documents from Equifax showing the charge off being reported and also attached a payoff on the line of credit in XX/XX/2019 and the XXXX loan dispersal on XX/XX/2019 which I have since paid off on XX/XX/2019. I have tried to reach the Consumer Dispute Department at XXXX and all I get is voicemail. I want the negative information removed from my Equifax credit report before it negatively impacts my standing with my other creditors. I have reached out to Equifax previously and they too are having problems updating my credit report following my request of an investigation to correct the balance errors. Furthermore, my account is not closed as it is being reported on my credit report for Equifax. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

I simply want to report that if you try to contact Experian by phone, ( XXXX ). They initially ask you to enter your Social Security number by automated service. When you attempt to do so by entering it on your phone, they respond, " I'm sorry, I didn't get that ''. If you repeat, you get the same response. I called back and verbally gave my SS # and they took it, but when they asked the second question, I got the same response and the call ends. I actually tried one more time. This time they took my verbal SS #, but when I tried to answer their second question, they gave the same " didn't get that '' response and ended the call.
Consumer complaint received 2017-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (IL)

*Mailed a letter requesting the information below and only provided the information attached to the complaint. 

1.Agreement with your client that authorizes you to collect on this alleged debt. 
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3.Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
XXXX. Provide proof of license and bonded to collect in the state of Illinois.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX Data Breach and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.