davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave XXXX, Transunion, or XXXX any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2024-03-11
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. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

I have a Spend Account with Credit Karma. My entire payroll check is directly deposited into my account and my account has been frozen. I have contacted customer service who tells me my account is " under review '' but can not give me a reason why or a number to contact to determine the issue. Customer service also informs me that I am able to use my debit card but I can not. I also have an auto payment which came back as account frozen. No one knows what the problem is and I have no access to my money. I have rent and car payment due and can not make any payments or withdraw money. I am attaching the last email I received from them. It indicates I am trying to open an external account which I had not done.
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-11
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. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2022-01-29
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.
Consumer complaint received 2022-01-29
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: Innovate Managed Holdings, LLC (FL)

Please refer to Claim # XXXX This issue has not been resolved. I am still showing error marking on my XXXX Credit Report. Per XXXX they must update AND REMOVE wrong late, missed payment marking reported. 

I have been trying to correct this since XX/XX/2021 and still not corrected. I have called XXXX several times and nothing has been done. I emailed, called and sent letters and still the same. 

I am requesting that Innovate Loan Finance please remove late markings from XX/XX/2021 and XX/XX/2021 immediately.
Consumer complaint received 2022-01-29
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. (GA)

I was living at apartment ; they reported not paying the water bill as rent. 
At the time i wasnt living there but my name was on the lease. I asked my ex boyfriend did he get notice of this as for the management saying we had to pay he said no he didnt see any bill. 
I left for XXXX training XX/XX/XXXX i had moved out but my name was on the lease. Instead they took the mater to court i was unaware that they sent it to court. 
I moved out sent plenty of emails and visited the apartment complex to remove my name from the lease. They prolong the situation to remove my name from the lease. I left MD in XX/XX/XXXX. I had removed my name from the lease.
Consumer complaint received 2022-01-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

My Husband who is the Veteran passed away very unexpectedly at XXXX years old. We have two young children who at the time were XXXX and XXXX years old. I his wife, have been struggling to make payments. Just last month I began to receive the Veteran benefits. I can make the payments now but Freedom Mortgage will not work with me. I sent them documents they requested XX/XX/XXXX. I never received a letter with a direct contact in regard to my financial hardship. I would call and get a different customer service employee and see what else I needed. It was always a different person and at times they would say there was nothing they could do. I reached out to a friend that is helping me now. XX/XX/XXXX We called Freedom Mortgage together to request the auction be postponed asked for a the loss mitigation forms. They said it was out of their hands. Then we asked if they received the documents I had sent. They representative finally found them and we begged for help. I am not on title or the loan. I just have a letter that my husband wrote. She told us to do a loss mitigation package which was what we want in the first place. We couldnt get one online due to the account passwords being my husbands. He handled all the bills. We called back XX/XX/XXXX the representative now said we need to do a successor in interest. We requested again that they please postpone auction so we have more time. She said they cant. I said I can make a payment now and they said I would have to pay XXXX. I dont have any money jus t now my VA benefits. And they cant email form or FAX it. It has to be by mail. They were suppose to send the form so I could get auction postponed and save my home. It still has not arrived today XX/XX/XXXX. The first representative mislead me. I told her everything. I can not afford a lawyer. I need help. This is the only home my children and I have. I am very scared for our future.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

On XX/XX/XXXX I reported to the police department in XXXX Washington that I had unauthorized withdrawals on my account that amounted to as much as {$30000.00}. There are many untrue statements that the XXXX officer made during the police report. Anything they state will need to be evaluated. The withdrawals were taken by using my debit card number and purchasing online, and also making direct deposits From my account into XXXX XXXX XXXX account. 
When I had open this account On XX/XX/XXXX I deposited {$55000.00}, I also let the manager know that I had reservations about putting my money in a bank because Of on line banking I felt there was a risk. The branch manager was XXXX XXXX, I was not able to use a safety deposit box for cash, also the branch manager gave me an assurance that my money was safe there. The bank manager and myself walked over to a counter where the account was opened and the bank manager and I requested that there be a {$200.00} limit withdrawal In a day. There are also other alerts that KeyBank offers, like a text message to your phone every time there's a purchase. I drew out {$200.00} one day and I tried to draw out more and I was unable to. At that time I knew that if I was going to lose any cash it would only amount to {$200.00} at the most.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A card was issued under my name on XX/XX/18, however, I did not apply for credit. Im in the process of purchasing a new home and I have not opened any new credit. This fraudulent incident caused my credit score to decline and could ultimately effect my interest rate for the purchase of my new home this is imperative to me. I also, do not understand if I pay XXXX to monitor my credit and my report was and is locked how did this happen? I need to have my name cleared and my credit score restored as soon as possible as I mentioned this will affect the purchase of my new home. Thank you in advance for your prompt attention to this matter.
Consumer complaint received 2022-01-29
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. (TX)

I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (HI)

XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold Trans Union erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from Trans Union who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXXXXXX XXXX XXXX Balance : {$9300.00} XXXX : 1. XXXX XXXXXXXX XXXX  XXXX Balance : {$9300.00}