davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I opened a complaint earlier with the CFPB because Equifax would not remove an inquiry on my report that was a result of identity theft/fraud. The latest dispute I have with Equifax that did not resolve the issue via their website is " Confirmation number : XXXX '' The Inquiry in question is listed as : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX This is coming from XXXX XXXX, which has sent information to Equifax twice to remove the inquiry they processed in my name due to identity theft/fraud. 
XXXX XXXX can be contacted at XXXX or fax : XXXX Note the email address of XXXX, which corresponds to the inquiry labeled XXXX XXXX XXXX. 

Below is the response from Equifax from the prior CFPB complaint. 

Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Inquiry : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 15 U.S.C 1681. 

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 ). 

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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - States no consumer reporting agency may make any consumer report. Containing any of the following items of information. Any other adverse item of information, Other than record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC (FL)

To whom it may concern, I made an uninformed decision when I entered this consumer credit transaction. 
There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. 

Reporting charge-offs on my credit report every month is defaming my character.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

I have had an account with Paypal since XXXX that currently holds {$100.00}. I am trying to withdraw the funds to any other account. Paypal claims I need to verify my identity, but has refused all my attempts at providing identifying information, and now claims there is a 180-day freeze on my account, but will not provide further information. Talking to Customer Service Reps ( CSR ), I have received the following contradictory and often incoherent answers : - You need to submit the identifying documents ( I have done this three times ) -You need to wait 24-48 hours or up to 10 days for the system to " refresh '' ( I've been waiting over a month ) -Your account has a permanent hold for 180 days. 

-You can transfer the balance in your PayPal account to your bank account or to send you a check. You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargeback. 

-We have found potential risk involved with your account, transactions and activities as to why as a business decision we are parting ways with you. 

- '' Dear XXXX XXXX ( not my name nor anyone I've ever met ), we are unable to verify your identity. '' I just want to be able to escalate this issue to someone who can actually verify my identity and let me take out my funds.
Consumer complaint received 2021-03-12
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. (WA)

XXXX XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.
Consumer complaint received 2020-03-26
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX  XXXX  XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is in Violation of 15 U.S. Code 1681 ( a ) ( 3 ) and 15 U.S. Code 1681 ( a ) ( 4 ). ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I would Like a resolution for TransUnion to provide my credit report on my TransUnion dashboard of my profile and to provide a current hard copy of my credit report. I want to ensure They Update my current score to XXXX and XXXX.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

XXXX XXXX XXXX reported debt I did not owe to Hunter Warfield for collection. I have written letters to XXXX XXXX and contacted Hunter Warfield via telephone to try to resolve debt. Unsuccessful.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

1XXXX XXXX XXXX XXXX XXXX XXXX  REFUSE TO REMOVE FRAUD FORCE PLACED HOMEOWNNER INSURANCE PREMIUM {$1700.00} AND {$1400.00} OFF MY ACCOUNT ESCROW ANALYSIS VIOLATING FLORIDA STATE AND FEDERAL LAWS. 

2. XXXXXXXX XXXX XXXX XXXX XXXX PUT ME IN HARMS WAY SETTING MY ACCOUNT AS NON-HOMESTEAD. MY PROPERTY IS MY HOMESTEAD SINCE XXXX CLASSIFIED BY XXXX XXXX XXXX XXXX XXXX FOLIO # XXXX, PHONE XXXX I NEED THESE 2 URGENGT ISSUES RESOLVE ASAP.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

[ Bank Of America ] ( a ) I have XXXX credit cards with Bank of America. Since XX/XX/2022, Bank of America allowed " unauthorized charges by XXXX XXXX '' to be put on my credit card and " on my new credit card XXXX ''. This charges totaling about {$62.00}. This is a FCRA violation ( b ) Furthermore, bank of America did not report my new address XXXX XXXX XXXX, XXXX XXXX, CA XXXX to all credit bureaus in particular to XXXX XXXX  XXXX
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (TX)

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX
Consumer complaint received 2022-10-15
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. (NV)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-15
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (MI)

I purchased Honda XXXX in XX/XX/XXXX. I received a mail explaining how to set up online payment which I did follow all the steps given. I previously owned XXXX Honda XXXX which was always paid on time and had an existing Honda finance account. I reset my password and setup the payment for the new vehicle purchased. But for some reason the payment did not go through and I have not received any communication from Honda Financial Services. They say they called me and mailed invoices. I never received any in mail as I chose paperless communication. I got a notification from my XXXX account about the late payment. Then, I logged in to Honda and figured out that the payment was not done. 
The profile had my old phone number and previously lived address. I was surprised that they communicated to the old information. I updated every information in every tab and made sure the scheduled payment setup shows up in the account. I double checked if the amount was deducted from my bank account. 
When I requested Honda to remove the derogatory mark, they said that they can not do it as they did not receive the payment and the communications they did to my old contact was just for courtesy and it is my responsibility to pay on time. I am responsible and I set up the payment by choosing a payment date as well on XX/XX/XXXX. The setup did not get saved or there could be system error etc.. 
As soon as I knew this, I did the payment and making sure the payment process continues without any delays or errors. The communication preferences with Honda Finance are really the worst. For me, it was not user friendly. They do not provide information in the email. We need to go back to the Honda finance account to view any kind of data about the statements or letters or setup information. Who does this these days? People completely rely on emails and the content in the emails. No body remembers passwords to login to each account to review information.