davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
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. (AL)

I asked Equifax to provide a method of verification for an alleged Bankruptcy in the Public Records section of my credit report. They responded saying that they used a 3rd party called " XXXX XXXX '' to verify the Bankruptcy. 

I contacted XXXX XXXX myself and they're saying I am not even in their database and that they did not report this. I also reached out to the Bankruptcy court in question and they said they did not report anything to the credit bureau. I've attached Equifax 's statement, XXXX XXXX ' response, and the US Bankruptcy Court 's response.

I am demanding that Equifax delete this item as soon as  possible or I will have to escalate this issue because Equifax provided a false statement suggesting that XXXX XXXX reported this to them.
Consumer complaint received 2023-05-15
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. (MI)

XXXX  XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (DC)

Yes I previously sent a complaint and would like it back opened bc the payments were not returned as I instructed to XXXX XXXX from Wells Fargo I did not ask for stop payment on XXXX payments
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTE Original creditor : XXXX is showing up on my credit report stating I owe {$2500.00}. This debt was owned by XXXX XXXX XXXX XXXX prior to this. I provided an FTC report and let them know I was a victim of identity theft. That debt is not mine. I filed this complaint on XX/XX/XXXX with the CFPB XXXX. In this complain the company took ownership for their mistake and removed this debt from my report. I hope that this debt collector will do the same. 

I am Writing to you to properly address that I am a victim of identity theft. I am writing to request that you block/delete the following fraudulent information from my credit report. 
XXXX ) SOUTHWEST CREDIT SYSTE Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection This information does not relate to any transactions that I have made. I have enclosed a copy of my identity theft report and a copy of FCRA Section 605B which details your responsibility to block/delete fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the furnishers of that information. I will be enclosing : identity theft report, proof of identity, Fair Credit Reporting Act Section 605B.
Consumer complaint received 2023-01-17
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. (MA)

Dear Experian & XXXX ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Consumer complaint received 2024-03-15
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. (SC)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2024-03-15
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 

XXXXXXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX  XXXX : account # XXXX XXXXXXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX  XXXX account # XXXX TRANSUION has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally. 

I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.
Consumer complaint received 2022-11-12
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. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

National Credit Systems states that I owe XXXX XXXX XXXX XXXX I have never signed a lease for the XXXX XXXX XXXX XXXX property address. I have asked for this item to be taken over my credit report for over a year, but it is still there. I asked for verification of the debt, which would be a copy of the lease with my signature, but I am still waiting to receive it as of today. I asked for it to be emailed, but they said they couldn't ; I asked for it to be faxed, and they said it couldn't be faxed, so they mailed it on XX/XX/2023. They send me a payment history that doesn't have my name on it, and they tried to say since I made a payment on it I am responsible for it. I have never heard of this. Even with looking through the history, there is nothing that shows my name. I want this removed off of my credit ASAP because I am not responsible for this debt. I don't know if it is the collection agency or the original creditor or both that is causing this issue to my credit
Consumer complaint received 2023-05-15
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. (PA)

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

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 : 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 take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DISCOVER BANK (AZ)

During my XXXX month with Discover, I was out of the country on a vacation. I wasn't aware of the minimum payment due. However, I was planning to clear the entire due once I'm back in the country. But, before I cleared, apparently I crossed the deadline for the minimum payment due, which was {$15.00}. I cleared my entire due at once which was ~ {$600.00}. I genuinely would've paid the minimum due, had I known it was mandatory. 

Because of that small mistake, my credit card account was closed, I kept getting rejects for other applications, which I believe, surely had a very bad impact on my credit history. 

They say my account was closed as they couldn't verify my personal information. I'm not sure what that is. 

I hope this problem could be resolved and I could apply for a new credit card. I already have a credit card which I opened as a student. The limit id {$650.00}. I can't pay my rent with it since it's more than my limit. It's becoming tough for me to maintain a good credit score. 

Please help me with this.
Consumer complaint received 2023-02-11
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: Resurgent Capital Services L.P. (GA)

Under USC 15 1681 Reporting debt to my credit is illegal and as consumer law states to bring this to the attention of the CFPB. Ive asked them to stop calling and now an account I didnt give consent to is open under my credit report.By law no negative reports should be reported to a creditors credit report.Ive sent letters for them to verify they have a debt collector licenses. My information was illegally sold to the by XXXX XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ... ... XXXX XXXX This is my third request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for Equifax ... XXXX and XXXX XXXX ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX ... ... XXXX XXXX XXXX... .. XXXX XXXX XXXX ... ... ... ... XXXX XXXX XXXX XXXX ... ...... etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than 26 years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have 8 different erroneous addresses for me which include family members addresses ... .... apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are ... ... ... ... XXXX XXXX XXXX XXXX XXXX CA XXXX... XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX...... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX...... XXXX XXXX XXXX XXXX XXXX. CA XXXX......... XXXX XXXX XXXX XXXX XXXX CA. XXXX ... ... ... XXXX XXXX XXXX ... ... ... Why are these addresses on here and where did they come from ... .... 

I have requested an explanation of what the following alleged accounts and balances are for ... ... .a complete audit trail ... ... .. documentation that shows i agreed to pay the debts listed ... ... ... ... ..written permission or agreements I have with these companies ... ... ... ... .notification to me 30 days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are ... ... ... what agreements i have with them ... ... ... ... all of them show different amounts on each report ... ... ... ... they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are : XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... ..XXXX XXXX ... ... ... XXXX XXXX XXXX ... ... ... ... ... XXXX XXXX ... ... ... ..XXXX XXXX XXXX  ... ... ... ...... 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them : XXXX XXXX XXXX  XXXX ... ... XXXX XXXX ... ... ... XXXX XXXX ... ... ... .. XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Consumer complaint received 2023-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

I have had private loans with Navient since 2007. In the 16 years I have had these loans, I have used up all of my forbearance allotment - I work for a Nonprofit and cant always make payments. I still owe over XXXX. I have been on interest only payments for a while. Interest only went from {$100.00} a month to almost {$200.00} a month very recently- without a reasonable or consistent explanation. I contacted Navient and was completely honest with them - I can pay no more than {$150.00} a month. 

There were XXXX options for me. I told them I would be forced to just not pay. 

Now they call me multiple times a day starting at XXXX. I talk with them for over 45mins at least XXXX a week, explaining the same thing over and over. They cant offer any solutions that work within my budget. And the calls keep coming. The company has no way of working with me to find a solution. 

They suggested that I apply to refinance with NaviRiFi which I did and I was denied a refinance loan - leaving yet another negative mark on my credit report. 

They offer no solution to my issue. please help.
Consumer complaint received 2023-11-30
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)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

i got a call from a collection agency sayin i owe {$890.00} an dont 15 USC 1692g validation of debt i ask for 18 USC 8, I owe no debt, this company and 3 bureau is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information
Consumer complaint received 2020-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019, I was threatened to make a wire transfer in the amount of {$26000.00} from my bank account ( Bank : Bank of America ) to a fraud person claiming to be a social security agent. I filed a claim with the bank but it did nothing to help me receive my money back. I also filed a police complaint but even the police put up their hands. The Police report # is the following : XXXX. I request to please help me with this matter. That honest, hard-earned money was going to be used for a significant life goal I was trying to accomplish. I would really appreciate any help I can get. The bank is inefficient at this point in doing anything.
Consumer complaint received 2020-01-11
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I've reached out to PENNYMAC LOAN SERVICES L and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. 

Account Name PENNYMAC LOAN SERVICES L Account Number XXXX Account Type XXXX XXXX Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-02-22
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-03-16
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.