davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company (LA)

I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX  They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to XXXX XXXX in early XXXX. I received two checks from XXXXXXXX XXXX with my name and my mortgage companys name which at that time was XXXX XXXX  I signed the checks and sent them to XXXX to be counter signed. They held onto it for about two months, and then sold my mortgage off to Freedom Mortgage along with my checks and everything that backed up my losses. I have begged Freedom Mortgage to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for Dwelling - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( XXXX XXXX ). I have recently been diagnosed with XXXX XXXX, and Im going through treatment and can not even afford my medical bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.
Consumer complaint received 2021-12-23
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. (CA)

I NEVER APPLIED FOR ANY LINES OF CREDIT WITH ANY OF THESE COMPANIES. I HAVE ADVISED THE CREDIT REPORTING AGENCIES OF THIS AND THEY STILL HAVE NOT REMOVED THESE INQUIRIES.. 
THIS IS AFFECTING MY CREDIT WORTHINESS AND HAS CAUSED MUCH STRESS TO CORRECT THIS! 
I HAVE REQUESTED PROOF OF THIS NUMEROUS TIMES TO NO AVAIL.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-23
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)

I XXXX XXXX sent multiple letters and complaints about this XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2018. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.
Consumer complaint received 2022-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

During the summer of XXXX, I had XXXX XXXX payments and more coming due to the limited waiver. I consolidated my loans in XXXX and received XXXX letters from MOHELA, XXXX on XX/XX/XXXX that showed only XXXX qualifying payments and then the next day on XX/XX/XXXX, i received another letter with XXXX! 
MOHELA is mismanaging the XXXX program. I should have almost XXXX payments and now they are reporting XXXX.
Consumer complaint received 2021-12-23
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) OPENED : XXXX/XXXX/2021 XXXX. XXXX
Consumer complaint received 2019-11-24
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. (TN)

XXXX Experian, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. XXXX XXXX also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. XXXX XXXX is still reporting 1 account to Experian and XXXX  ... see CFPB report attached.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ONLY LIVE AT XXXXXXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX NEW YORK XXXX.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (MT)

We have been working with Freedom Financial Network, XXXX XXXX XXXX XXXX XXXX, AZ XXXX for several years now and for the most part, we are somewhat pleased with their performance but Unfortunately, this is not the case in yet another situation we received an IRS form of a debt cancelation of a debt that was negotiated and paid in full but the issue is that the debt actually belongs to someone else the last four of socials don't match, so we have been in fact paying someone else 's debt I would think when one supposedly runs the credit file with the client 's social we should be paying on that social this is not the case.
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation (NC)

After numerous attempts to get verification since 2017 from Datamax Corp, I still haven't received any verification that this fraudulent debt belongs to me and they are reporting this debt on my credit reports when I don't even know what this debt is for!
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

From XXXX to the present day, this company has repeatedly called my home and mobile numbers, as well as the mobile numbers of my family, multiple times a week, sometimes multiple calls daily, in regard to debt that is not owned by any of us. During calls, the company claims to be XXXX XXXX. I've notified the callers that the numbers they are calling are the wrong numbers, the numbers do not belong to the person they are attempting to contact, and to stop calling. They then proceed to call with a different phone number. I sent a cease and desist letter today ( XX/XX/XXXX ) because previous requests to stop calling went ignored.
Consumer complaint received 2024-05-05
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. (TX)

Upon disputing a Bankruptcy showing up on my credit, Equifax responded with a letter stating that they have verified the Bankruptcy on my credit report. The data furnisher listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. I have contacted this Court and they stated that they do not report any information to credit Agency, nor they have verified any information. This is a lie and an inaccurate reporting from Equifax. I demand that this Bankruptcy be Immediately Removed from my Credit Report.
Consumer complaint received 2022-12-23
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. (FL)

XXXX XXXX XXXX XXXX I XXXX XXXX sent multiple letters and complaints about this XXXXXXXX XXXX XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2017. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me XXXX XXXX. As Stated in 15 U.S. Code 1681c1 XXXX XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.
Consumer complaint received 2021-12-23
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: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts Nordstrom/TD bank, XXXX and XXXX XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Consumer complaint received 2021-12-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts XXXX XXXX, XXXX and Bank of America. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Consumer complaint received 2023-06-27
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. (MO)

I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the 3 credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-12-23
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. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2023-01-20
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. (IL)

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 XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/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.
Consumer complaint received 2019-11-27
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (IL)

Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.