davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (IA)

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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been communicating with TransUnion, XXXX, and XXXX about my XXXX XXXX XXXX XXXX XXXX XXXX  that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Consumer complaint received 2022-12-10
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. (MO)

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

MR COOPER IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THEY HAVE NOT RESPONDED TO A QWR I MAILED XX/XX/2019. I ALSO REQUESTED PROOF OF CLAIM. THE LOAN WAS IN A TRUST AND CONVEYED WITH AFTER HE CUTOFF DATE OF THE TRUST. 

THE U.S. TREASURY SENIOR SPECIAL AGENT XXXX XXXX XXXX CONTACTED ME REGARDING NATIONSTAR AND MY LOAN HIS PHONE NUMBER IS XXXX OR XXXX
Consumer complaint received 2022-09-30
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. (GA)

XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to Experian is XX/XX/2013 and the date opened reporting to XXXX is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (OH)

Around XX/XX/XXXX I try to log on to my account with numerous attempts I notify the bank and ask a representer why was I not able to get into my account they told me I had to go inside of the bank and they should give me some information about my account the next day I went to the XXXX branch I was told by a representer that my account was closed due to low funds I asked her why was I not notified and that I have been receiving emails from the bank she told me that she did not know why and that they will have to do some investigation and that somebody will be in contact with me, XX/XX/XXXX I called the bank and ask then what was going on with the investigation into why my account was closed and they told me that the manager XXXX had tried to reach me I told her I did not receive any phone call or email from such person she took my number down and she said that when he was finished with a client he will give me a call back I never received a phone call. again XX/XX/XXXX I called again to see what was going on with the investigation and if there was anyway that my account could be reopened another representer told me that the manager XXXX had spoke to me on several occasions and he called me back on Friday I told her that I have never spoke to anybody named XXXX and nobody has gotten in contact with me and I can bring my phone up there to show that I have no missed calls or incoming calls from this branch number they have left me with no choice but to make a formal complaint against them.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024, XX/XX/2024 XXXX
Consumer complaint received 2022-09-30
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. (PA)

These are the company that went into collection these accounts are fraudulent and I have no knowledge of these accounts. 

Company or Organization XXXX XXXX  XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX  Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022
Consumer complaint received 2022-09-30
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. (GA)

XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to Transunion is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (WA)

The bank Ally that holds the lease on my vehicle agreed to remove the late payments that happened while I was XXXX XXXX XXXX 
They did remove the late payments but shortly after they put the late payments back on, as soon as I was able I payed the payments in full and have been current ever since.
Consumer complaint received 2022-09-30
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. (PA)

These accounts are fraudulent I have no knowledge of these accounts and I would like them to be removed off my credit report. 

Company or Organization XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX XXXX Experian received and accepted through certified mail a dispute for the following accounts : ( XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ). Experian did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Experian failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: D2 Management LLC (LA)

I was initially contacted by this company in early XX/XX/2022. When I answered the phone, they did NOT identify themselves as a debt collector/collection agency ( CA ). They only proceeded to ask for identifying information, which I was not going to give because I've been a victim of fraud before. 

My understanding of the FDCPA, a company does NOT need identifying info to let someone know they are a debt collector. They only need identifying info to discuss the specifics of the account. I only found out they were a CA through a XXXX search and I've seen their unscrupulous practices documented by others through reviews, complaints and XXXX. 

I called them back ( on a recorded call because I live in a one party state ) and stated if they were a CA, that I disputed whatever account they're asking about ( because I owe nothing, but know it's a process ) and to not call me anymore. I stated that if they'd like to communicate further, to do so in writing. This company has proceeded to call back multiple times ( including today ) after my initial dispute, without sending anything to me as required by the FDCPA. The reps are extremely rude and simply hang up when you ask for the simplest info such as an address or fax number which is also another no, no. 

The business states incorrectly states they follow the law. I have them on recorded phone calls violating the FDCPA. A mini Miranda was NOT read when I was initially contacted and it most certainly does NOT require me to identify myself before disclosing you're a debt collector. They state that I can't believe what I read on the internet, so someone should tell the business that the FTC apparently has all of the statutes wrong on their .gov website. 

I believe it's 807. False or misleading representations and specifically : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reached out to each reporting agency for a resolution but was not able to achieve one. I have asked to send me copies of documentations to show that these depts belong to me but have not received any. I have sent information that I person by the name of XXXX XXXX XXXX is using my social security number. Below are the accounts that need to be removed. 

XXXX XXXX {$75.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX {$970.00} XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$5700.00}, XXXX XXXX {$1000.00} 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 XXXX5 USC 1681.

Account name and number of Closed accounts that needs to be removed.

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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Once again SPS is making it difficult for me to apply for help through them. 

They wont accept my paperwork even though its correct. I have submitted the documents dozens of time through email and website and keep getting the run around. 

I was awarded help through the state of Wisconsin and they raised my payment for almost {$300.00} more for no reason. The mortgage on this property have never been over {$700.00} since XXXX.
Consumer complaint received 2023-10-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-09-30
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2022-09-30
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. (MI)

In accordance with the Fair Credit Reporting and XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-20
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. (IA)

In accordance with Fair Credit Reporting act 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
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

My loan was increased by XXXX $ saying missed payment. I havent ever missed a payment .. or been late. My credit has been ran by the dealership my loan is thru, Toyota financial. XXXX times they have ran my credit since buying the truck.. RUINED MY CREDIT SCORE.. I had to freeze my XXXX  and XXXX to stop further inquiries being made. Called dealership. NOTHING GOT DONE. Now my loan went up saying missed payment but theres no proof and everyone I talked to says Ive never missed a payment. I feel Im being taken advantage of .. everyones pointing fingers at each other and nothing is being taken care, my credit score is being destroyed. My monthly payment is {$970.00}. I feel theyre gon na take {$120.00} a month till its fully paid .. AND THAT WONT HAPPEN!! IVE NEVER MISSED A PAYMENT
Consumer complaint received 2023-05-23
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. (GA)

YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX 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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.