davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XX/XX/2021
Consumer complaint received 2019-01-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation (FL)

I'm heir to my ex-wife estate she passed, we returned a new vehicle to the dealership we purchased it from, they mailed a agreed amount of XXXX the check was intercepted and cashed thus happened in XX/XX/2017 I just the other day got the dealership to get me a copy if the cashed check, I contacted the institution and they said that's between me and the auto dealership this conversation took place 2 days ago Please help
Consumer complaint received 2019-08-02
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (TN)

I am requesting the method the method of verification regarding an unverified Bankruptcy on my XXXX XXXX Consumer report. I initially mailed off my first dispute asking them to verify the Bankruptcy on XX/XX/2019 and they responded with it as being verified. However, I have a official letter from the Bankruptcy Court stating that they do not verify Bankruptcies or release information to 3rd party agencies or credit bureaus. So, I sent a second letter on XX/XX/2019 informing them of that and then asked them to verify it again. I got a response back saying that it was again verified directly with the court where the Bankruptcy was filed. 

I recently sent of a 3rd letter on XX/XX/2019 and have attached the actual copy of the letter from the United States Bankruptcy Court that clearly states that they do not release information or verify information with any 3rd party agency and have asked them for a method of verification.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18
U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2019-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

I have a mortgage at US Bank, so when my home was damaged by a fire, my insurance company sent the money for repairs to the bank. There were no problems with an initial payout to the contractor, but now the work is almost finished and a final inspection is required by the bank before they will release the remainder of the contractors money. I requested that inspection on XX/XX/XXXX. The banks process says I will be contacted in 8 days. I waited the 8 days and was not contacted for the inspection. Now Im calling the bank every day and still no inspector has called. The office people have been polite, but they arent getting this taken care of, and arent letting me escalate my problem to anyone else who might get this going. Im under tremendous pressure from the contractor who needs his money to finish, but I have nothing but were so sorry from the bank.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX  FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX  and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (RI)

I have gotten a new credit card from CitiCards after it merged with MasterCard. A few weeks later, on XX/XX/XXXX I received a text message about a fraud alert on my account. I have called and found out that there were fraud charges made in my account since XX/XX/XXXX. I confirmed that these were in fact fraud and was given a new credit card number. Upon receiving my credit card and checking my balance online, I found that charges on my old card continued until XX/XX/XXXX even though I called on the XXXX. The total amount of fraud charges from XX/XX/XXXX through XXXX was {$2900.00}. After my call, I was only credited {$1400.00} and remaining balance of {$1500.00} was left under investigation. Its been 2 months and now investigation is closed and Im being told that I have to pay this amount because citi somehow identified that Ive made those charges. I dont have any receipts or any paperwork to prove that I didnt make these fraud purchases and I didnt make them either. I rarely spend this much money on a monthly basis. Please help me to resolve this issue. I would appreciate anybodys feedback and Im very disappointed with citicards services especially because Ive been a card member for many years.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-05-17
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: Experian Information Solutions Inc. (TX)

FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$2000.00} written off. {$1900.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-21
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. (NC)

Since 2017 I have sent numerous written requests to the credit agency Equifax in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by XXXX, but yet this amount still appears on my Equifax report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of these accounts from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. 
Thank You
Consumer complaint received 2019-01-21
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. (CA)

I have been sending dispute letters to trans union, XXXX, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (OH)

I am deeply concern that an account that was already disputed with the original service provider XXXX  XXXX has shown up on my credit report. This account is a HIPPA violation. I request several time for a invoice of services. I never got that from either XXXX  OR XXXX XXXX XXXX. I fail to see where XXXX is in compliance with OHIO LAW 1319.12 ORC Taking assignment of debts. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled. ( G ) Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended. I need this account to be deleted immediately until all OHIO LAW requirements are meet as well as FDCPA standards are meet!
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: 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. 

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 XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX 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 : 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 2019-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

We purchased a home on XX/XX/XXXX with XXXX XXXX. On XX/XX/XXXX we received a letter stating the loan had been transferred to XXXX XXXX XXXX  XXXX , XXXX. stating our payment was {$720.00}. On XX/XX/XXXX, we received a statement that our loan was transferred to Rushmore Loan Management Services stating our loan payment was {$780.00}. Due to the holidays, I called Rushmore Loan Management Service on XX/XX/XXXX, I was advised by XXXX that the escrow was incorrect and to wait until it was corrected before making payment. It showed homeowners and taxes were the same amount in escrow. He advised that I should get notifications by mail when it was corrected. The next day, I received a collection call. I explained escrow problem and was told to call back in 10 days. Again, the next day, we received a collection call. On XX/XX/XXXX, I called Rushmore Loan again spoke to XXXX, I was advised it was corrected but not corrected in there system and to call back on XX/XX/XXXX. After that, we have received numerous collection calls. This is not our mistake. I would refinance if I could afford it. This is harassment to us. Not fair that they made the mistake but we have to take there harassment. They to tell us we are on robot calls and until we pay it will continue. I have asked to speak to a supervisor but never available and never calls back. Look at the attachments below. It would be nice to know who is the correct mortgage company. I only know know due to several phone calls.
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices Howard Lee Schiff, P.C. (ME)

Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised XXXX, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Trans union is reporting bankruptcy on my credit report and they have put in the date of furnish XX/XX/2015 & USBK COURT XXXX XXXX  which is false. I have attached a letter from the United States bankruptcy northern district of XXXX stating that they dont furnish any information over to any credit reporting agencies or provide any bankruptcy information to any credit reporting agencies at all.

Trans union is falsely stating this information on my credit report and has yet to removed this false information from there credit report.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (AL)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00}