davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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)

i have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit
Consumer complaint received 2021-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I noticed a hard inquiry on my credit report by Bank of America that was not from my activity. I immediately contacted XXXX, through whom, contacted Bank of America. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by Bank of America, again, not from my activity. I once again contacted XXXX and filed a dispute. I also talked to Bank of America, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but Bank of America compared the information and told me that it wasn't the same ) and I'd have to dispute with XXXX. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that Bank of America confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?
Consumer complaint received 2021-12-29
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 have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit
Consumer complaint received 2021-12-29
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. (MN)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-02-10
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. (OH)

I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

New Res - Shellpoint Mortgage services falsely reported delinquent payments to all 3 credit bureaus on XX/XX/2021. This is a recurring problem with this company. There accounting practices are flawed and none of their customer service agents have the ability to fix errors but just document the problem and the problem never gets fixed. Received letter dated XX/XX/2021 on XX/XX/2021 stating that I was passed due 17 days in the amount of {$19.00} when the check for the entire amount of the mortgage is shown as being cashed on XX/XX/2021. Online records show that my account is current. Phone records say last payment was received XX/XX/2021. Called into customer service and representative claimed my account was in good standing but would not provide information in writing nor would address issue with the report to the 3 credit agencies.
Consumer complaint received 2024-03-09
Product: Credit reporting 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 recently reviewed my report and to my surprise i found that i have been a victim of identity theft. i found inquiries that are not mine. this is affecting me. please remove these unauthorized inquires.
Consumer complaint received 2021-12-29
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. (NY)

On XX/XX/XXXX, I noticed a hard inquiry on my credit report by XXXX XXXX XXXX that was not from my activity. I immediately contacted Experian, through whom, contacted XXXX XXXXXXXX XXXX. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by XXXX XXXX XXXX, again, not from my activity. I once again contacted Experian and filed a dispute. I also talked to XXXX XXXXXXXX XXXX, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but XXXX  XXXX XXXX compared the information and told me that it wasn't the same ) and I'd have to dispute with Experian. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that XXXX  XXXX XXXX confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.
Consumer complaint received 2021-12-29
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)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have been violated by Experian. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Experian has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Experian admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.
Consumer complaint received 2021-12-29
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. (FL)

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX XXXX XXXXXXXX confirmed payment for date of service XX/XX/XXXX. A complaint was previously filed CFPB complaint ID # XXXX and EQUIFAX, again submitted a generic response without investigating the complaint. Equifax has been provided with documentation supporting removal of the two collection accounts from my credit profile.
Consumer complaint received 2019-12-13
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: Ability Recovery Services, LLC (SC)

I have disputed info with this company and it was removed by XXXX XXXX that I owe them nothing.Well I got an alert and contacted XXXX  this debt XXXX has reappeared as new collection on my credit as it came off last week plus this company told me I would have to get it removed that they disnt do that.please help me get this company to again remove this fraud from all of the credit bureaus.every time I get fixed they reappear. This is affecting my health to the point I'm going to have a nervous break down.please help me with this immediately today.its important as I have to be at the bank and its awlful I have to repeat what I've had to endure for two years now.please make them remove all there info from my credit report and leave me alone please.thanks.XXXX
Consumer complaint received 2021-12-29
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. (FL)

XXXX XXXX, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

I recently sent Navy Federal Credit Union a certified notice letting them know that all my consumer reports are reporting a late payment for {$21.00} XX/XX/XXXX, and this is a violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME ( XXXX XXXX XXXX and the person ( NAVY FEDERAL CREDIT UNION XXXX making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history between me and Navy Fed and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. I gave them 10 calendar days to delete the late payment and update my consumer report for XX/XX/XXXX as paid and positive. Based on the certified tracking Navy fed received my letter regarding this matter on XX/XX/XXXX. It is now XX/XX/XXXX and Navy Fed has not complied with the law found at 15 usc 1681a2 ( A ) ( i ) I have attached the Certified Return card, receipt when i mailed it out, the letter that was sent to the CEO XXXX XXXX of Navy Fed, and my Drivers license
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-29
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-12-29
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-12-29
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EASTERN BANKSHARES INC (MA)

I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX   for XXXX. I mobile deposited the check on XX/XX/19 to my XXXX XXXX account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to Eastern Bank. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from Eastern Bank and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my XXXX account but then took it back out. I was never explained why. I inquired with XXXX he said there is nothing more he can do. He stated that the person at Eastern Bank still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. 

You can see a trail for checks deposited by me from XXXX. The unknown individual at Eastern bank has no trail as this was fraud. They have the funds that are supposed to belong to me. 

I have reached out to all three banks and they all are saying to contact the other.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I contacted this corporation and the report they are sharing and how I didn't agree with the actions that was on my report and and what my demand where and how their unfair credit practices has impacted my family and I life. They has not done a investigation to show proof the alleged debt late address and the thing that were not correct at all and have not received any kind of remedy.