davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.
Consumer complaint received 2024-03-14
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. (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. 

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form 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 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 2023-02-17
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (IL)

A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I WAS XXXX XX/XX/2015 ON A XXXX XXXX XXXX BY CENTRAL XXXX XXXX BECAUSE I WENT TO THEIR STATION ASKING FOR ASSISTANCE TO OBTAIN STATEMENTS. ACCOUNT WAS CLOSED XX/XX/2015. I DO NOT KNOW HOW MUCH WAS STOLEN BY SOMEONE USING THE SECOND DEBIT CARD. BUT THE BANK CAN TELL WHICH CARD WAS USED. THE PERSON WAS TAKING XXXX OR MORE PER DAY WHILE I ONLY TOOK LESS THEN XXXX AT ANY ONE TIME PLUS IT WAS ALWAYS AN ATM THAT WAS USED AND IN PLACES LIKE XXXX WHERE I HAVE NEVER BEEN TO. THE CHARGES WERE DISMISSED IN COURT AT A VERY HIGH COST TO ME. AND IT TOOK THE XXXX PD HELPING ME TO EVER EVEN GET THE STATEMENTS. ALSO WHY WOULD I BE XXXX IN XXXX XXXX WHEN MY STATEMENT ADDRESS WENT TO XXXX XXXX ADDRESS IN ANOTHER COUNTY IS BECAUSE A XXXX XXXX WAS ARRESTED IN IN THE CENTRAL XXXX JURISDICTIONAL AREA. I HAD TO BE TAKEN BY XXXX TO XXXX XXXX HOSPITAL FOR A XXXX XXXX AS I DID HAVE ANOTHER XXXX  XXXX. A MAN AROUND XXXX WHO WEARS GLASSES AT XXXX XXXX XXXX ASSISTED IN THE OBTAINING OF THE SECOND DEBIT CARD.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX  for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

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 Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and XXXX and EQUIFAX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : 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, The following accounts : 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, I did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX  days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.
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: CITIBANK, N.A. (NY)

Dear Sir, I'm writing in response to your letter dated XX/XX/XXXX that I received from the Consumer Finance Protection Bureau, a copy of which is enclosed for your reference. 

In your XX/XX/XXXX letter you claimed that the photo of my New York driver 's license matches your record of a Kansas driver 's licence that you have on file. Please provide me with a copy of that drivers license as I am certain that the loans were the product of fraud. 

Last time I ask for your document to prove that the loan belongs to me, you have sent over a foreign passport of a XXXX national ( the passport does not belong to me ). Also, please confirm for whether your records indicate that this loan belongs to a Kansas resident ( US citizen ) or a XXXX national. You also claimed that you have verified the Texas address is under my name and social security number, would you mind elaborate how you did that? I never lived in Texas. 

Second, the loan you send over, per your letter, has a first application signed on XX/XX/XXXX, which was approved. But the applicant 's name is XXXX XXXX, with phone number XXXX. That is not my name and not my phone number. The second application, dated XX/XX/XXXX, was under my name XXXX XXXX, with phone number XXXX, which is not my phone number either, according to you ( if I understand correctly ) was denied. Would you please clarify, why you are attempting to hold me responsible for loan applications under two, different names, one of which is not my name. 

To be clear, I believe that your files are either mixed up or I am a victim of identity theft. In addition to the Kansas drivers license requested above, kindly send me all promissory notes and loan applications. 


Thank you very much for your time. 

XXXX XXXX
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

NewRez Mortgage Servicing Co. are not paying my county real estate taxes. I have been working with them all of XXXX and still do not have my taxes paid from XXXX XXXX. I understand this company has some serious problems with many other people. I have called them everyday starting on XX/XX/XXXX when I received my Delinquent tax bill. I faxed them 2 copies of the tax bill. My mortgage is paid up. They have taken my money for taxes, put it in an escrow account and not paid the taxes. Their associates don't know what to do, 90 % of the time. I have contracted them at least 30 times.
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: Experian Information Solutions Inc. (LA)

I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.
Consumer complaint received 2023-02-17
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. (TN)

In accordance with the Fair credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : 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 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 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 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. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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: EQUIFAX, INC. (LA)

I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.
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 — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX, acct # XXXX, OPENDED XX/XX/2018 : I do not have an account with this company. I do not have ANY open collection accounts. I have never ratified a commitment to borrower funds of any type from this company, nor do I have an outstanding collection account with them. Did they buy a closed out debt that was resolved, that they're scamming me for additional funds?
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2019 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$15000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC. (NJ)

On Mon, XX/XX/2020 at XXXX PM, XXXX XXXX XXXX XXXX wrote XXXX Name : XXXX XXXX user Id @ XXXX Hi its been weeks i submitted my DL for verification, i tried calling but my registration is not getting verified its stuck and still says its under review can you please verify ASAP its been 3 weeks ITS BEEN A MONTH I HAVE SUBMITTED A GOOD COPY OF MY DL AND YOU ARE STILL DELAYING IT, I HAVE REPORTED YOUR DELAYING TACTICS TO XXXX AS YOU ARE DELIBERATELY DELAYING REGISTRATIONS DUE TO STOCK MARKET IS DOWN RE : Registration From : XXXX XXXX XXXX ( XXXX ) To : XXXX Date : Monday, XX/XX/2020, XXXX AM CDT Hi the ID was uploaded kindly confirm registration Sent from XXXX XXXX on XXXX On Thu, XX/XX/2020 at XXXX PM, XXXX  Support XXXX wrote : Good afternoon XXXX, It looks like our system didnt accept the ID photos you uploaded because they included an unreadable photo ( too much glare, too blurry, etc. ). 
Im sorry for any delay this is causing! 
Please submit a clear photo of your valid ID through our secure file submission portal here. Once you've successfully uploaded it, go ahead and respond to this email to confirm. 
Heads up : If youre providing a drivers license or state ID card, well need separate photos of both the front and back, ensuring all four corners are showing. If youre providing a passport
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I have tried several times to have Equifax and XXXX   correct and erase wrong debt and information corrected on my credit report and each time they have not. XXXX XXXX XXXX  has tried to pass of old debt as new. They bought a debt thats past 7 years old by XXXX and is no longer on my credit report and made it new. Same with a car loan that was a charge off they reported it as a new account in XX/XX/2019 which is false and they have submitted the wrong amount owed. The car was in an accident and the company cot insurance money towards the loan and also the car was released to them and they sold it and did not disclose that amount and remove that amount from debt. XXXX XXXX is going against my fair credit rights in reporting the accurate dates and amounts. Again XXXX is no longer on my credit report due to how old it is I have sent several complaints to XXXX  and Equifax they have done nothing to protect my rights and fix the inaccuracies
Consumer complaint received 2020-04-06
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. (AL)

I have disputed a public record item that is on my credit report with Experian, XXXX, and XXXX. XXXX has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a auto loan on my credit report that i did not authorize i have no knowledge of this company and i have never financed or leased a vehicle in my life i do not even have license to be able to get a vehicle