davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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)

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Demand statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report file. Experian has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Experian has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report file
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank is not willing to delete escrow- requested to have an appraisal done. Was advised the appraisal request will be mailed to mailing address. The form was never mailed. Every-time I call to speak to someone about the appraisal form we are told it was mailed to you please wait 5-7 days. 
Initial request for appraisal XX/XX/2020 2nd request XX/XX/2020 3rd request XX/XX/2020- Spoke to another supervisor who stated - no appraisal form Was sent.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3500.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$4000.00} DTEDXXXX XXXX {$5500.00} XXXX XXXX {$85000.00}
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

mailed removal letters XX/XX/XXXX about old accounts that have been on my credit report since XX/XX/XXXX about these accounts ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/XXXX. PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/XXXX/XXXX # XXXX
Consumer complaint received 2020-08-11
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED  XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX   XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NC)

A credit card ( ELAN FINANCIAL SERVI ) was open ( XX/XX/2018 ) in my name that I never had and when I spoke too the creditors they want me too send in my ssn, dob, and ID. I refuse to do so and they close the card out. It shows on my credit report as if it was my card. It has been removed from my XXXX report but still shows on others.
Consumer complaint received 2020-06-17
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. (GA)

I have made several calls to transunion regarding inquires on my report that was not authorized. I was advise Inquires would be deleted however that remain on my report. The first call was made on XX/XX/XXXX. 2nd call on XX/XX/XXXX and another call was made today. I requested a freeze to be placed on my account to prevent unauthorized inquires, however that still hasn't been done. I currently have freezes on XXXX  and XXXX  and have no trouble with those reports. However someone continuously use my social to pull from transunion. There is currently 16 inquires on my report that i never authorized. This is really affecting me. I need this hard inquires removed and a freeze placed on my account. 

There are inquires dated below that was not authorized. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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: CITIBANK, N.A. (FL)

on XX/XX/2022 i noticed an inquiry alert stating citi bank had collected my credit report from XXXX XXXX and XXXX i called them and told them it wasnt me and to remove the inquiries which they said they would, later i received a alert saying it was removed from XXXX but not the others. i received a letter about a week ago from citi bank dated XX/XX/XXXX stating they had changed the inquiry from a hard to a soft inquiry, which is not what i wanted or was told on the phone, but nothing about XXXX or XXXX. i called back and after being transfered several times i got hold of a ladywho claimed they had no knowledge of any of this, which i stood my ground and told her i had proof of it in form of the letter they sent me, she changed her tune then and said she sent emails to both XXXX XXXX XXXX i tried to dispute this with XXXX over the phone but thet said they needed a copy of this report so im submitting this, i just want this off my credit report
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (FL)

The inquires below are not recognized on my credit report. 

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 2023-05-10
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3500.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My mortgage servicing company, XXXX XXXX XXXX, is supposed to pay my homeowner 's insurance out of my payment.  Last XXXX, I received a notification out of the blue from my homeowner 's insurance saying that it hadn't been paid. When I called to find out more, it turned out that it hadn't been paid for ONE FULL YEAR. When I logged on to XXXX XXXX XXXX XXXX website, it listed my insurance provider as "  homeowner 's insurance ''. When I called XXXX, the operator said that there was a notation on my account from the previous year saying that the check they sent had been returned. That was the last notation on the account, with no follow-up. The next time I called, they had a completely different story, saying that they had paid my insurance company and couldn't explain why I had no insurance. Despite my account clearly showing that they knew I was uninsured, they never apologized or admitted wrongdoing. At the time I was too busy trying to secure new insurance coverage, but I did lodge a complaint with the XXXX XXXX XXXX so that there would be a record of this behavior.
Consumer complaint received 2020-06-17
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. (GA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$3500.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$4000.00} DTEDXXXX XXXX {$5500.00} XXXX   XXXX {$85000.00}
Consumer complaint received 2024-02-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX continues to send a fraudulent account to collections, first with XXXX XXXX XXXX XXXX in XXXX of XXXX, I had sent this collection Agencie a validation letter and they did not validate the debt. XX/XX/XXXX XXXX XXXX XXXX requested documents to prove the debt was fraudulent I faxed the Affidavit, Police Report, copies of proof of residence and provided a government issued ID to XXXX XXXX XXXX per their request. XXXX XXXX XXXX did not send me anything in regard to their investigation. On XX/XX/XXXX XXXX XXXX XXXX had reported the fraudulent collection account to the credit bureaus and was on my credit report. I then filed a complaint against this collection agency with the CFPB for their wrongful reporting. They failed to validate the debt and did not stop their collection efforts. 
On XX/XX/XXXX XXXX XXXX XXXX mailed me a fraud packet. Again I uploaded all documents to XXXX XXXX XXXX fraud department, Affidavit, Police Report, two copies proof of residence during the time of the fraudulent activity, and my government issues ID. I did not hear back from XXXX XXXX XXXX about their investigation. 
On XX/XX/XXXX of XXXX I got a call from a New Debt Collector Sunrise Credit Services , Inc . Attempting to collect on the same fraudulent account. I explained this account is fraud and I have reported this to XXXX XXXX XXXX multiple times, with the required documents they have requested and still they are continuing to collect on this fraudulent account. I filed another fraud claim with XXXX XXXX XXXX on XX/XX/XXXX. With more documents to prove my claim.
Consumer complaint received 2020-08-11
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. (VA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2023-05-29
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)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NJ)

XX/XX/1924 Dear to whom this may concern, I am writing in response to the request for The FDCPA thus prohibites debt collector LVUV funding Llc, from among other things using any false, deceptive, or misleading representation in connection with collecting a debt. Id. 1692e.

In addition, the Act provides consumers a means to dispute and request certain information about an alleged debt. Under 15 U.S.C. 1692g ( a ), a debt collector generally must provide consumers with certain information about the debt and about their right to dispute the debt, either in the initial communication with the consumer or shortly thereafter. This information is typically provided in a written notice that is commonly.
Consumer complaint received 2020-08-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -This is not my account.
Consumer complaint received 2020-08-11
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-11
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I already tried by all means to fix this problem. Capital in being unfair and is not willing to fix this issue and stop affecting me. They have committed several negligent actions that led to violations against me. 

I am only demanding this negative item : account # XXXX, opened XX/XX/2011, limit {$1300.00}. 

Please help me sending the attached documents to Capital One.
Consumer complaint received 2020-08-11
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Consumer complaint received 2020-08-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -This is not my account.
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (NV)

I already spoke to the Title Max. The reason for this complaint is because I need a 3rd party mediator to make Title Max follow the same instructions like any other Loan Company has done and should not be treated any different. Or I won't have a car. 

Please forward this to anyone that can help me and many others before it's to late. 
XXXX
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have a loan with credit acceptance ( acct # XXXX ) which is up to date. The loan was both in my husband and my name. My husband totaled the car, and his insurance company, XXXX paid {$10.00}, XXXX on XX/XX/2020. I called and spoke to a representative about the remaining balance in the beginning of XXXX and requested that my credit score be updated within 30 days. Afterwards I made arrangements to pay off the balance of the loan and made a payment of {$480.00} on XX/XX/2020. This brought the balance current. The representative stated that my credit score would be updated by XX/XX/2020 to reflect the current balance. I checked my credit report with all three agencies and it is reflecting a balance of {$17.00}, XXXX Credit acceptance requested an additional 30 days to correct the balance although I stated that I am aware of my rights as a consumer and that the company legally has 30 days to respond to correspondence/communication regarding accurate account balances. I spoke with XXXX, XXXX ( supervisor ) and XXXX in the corporate office, whom requested that I just keep calling the company until I can reach someone from their credit reporting division.
Consumer complaint received 2020-08-11
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. (OH)

Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX