davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (NJ)

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-15
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. (OH)

I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in XXXX?
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mullooly Jeffrey Rooney & Flynn (NY)

CFPB ... XXXX XXXX XXXX XXXX, XXXX filed with the XXXX complaint # XXXX XXXX XXXX XXXX reference # XXXX Mullooly, jeffrey, rooney & flynn , LLP index # XXXX Affidavit server XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-06-15
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. (OH)

I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in XXXX?
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.
Consumer complaint received 2021-10-27
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. (TN)

This is a formal complaint against Equifax, XXXX and XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-06-15
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. (CA)

INACCUCRACIES ON CONSUMER REPORT XXXX  ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ).
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

Despite having filed a complaint last year about receiving unsolicited marketing materials from Wells Fargo ( see # XXXX ), I keep getting them. Attached you will find copies of two such mails I got in the last two months. This despite having called them again last month requesting them to stop sending me such mail, and the many times in the last two-three years that I've called them about this.
Consumer complaint received 2022-06-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (NV)

I am being continually harassed on acctXXXX for the student loan debt of a stranger with a different name that has NEVER lived in my home of XXXX yrs. On XX/XX/22 our mail carrier confirmed the borrower lives at XXXX XXXX XXXX. Despite numerous contact attempts the collector refuses to update the records of a {$20000.00} debt comprised of {$6000.00}, {$6000.00}, {$4500.00} & {$3500.00} so that's the total I'm considering suing for in defamation & damages.
Consumer complaint received 2023-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I was approved for the borrower defense on XXXX  and as of today, Mohela and the US department of education has failed to update my student loans showing that I am no longer eligible for loans under XXXX XXXX. Ive waited the requested time frame which was 180 days and there was no update so i contacted both agencies and neither agency could answer my questions as to why my loans are still being processed. I filed a feedback case with the US department of education Ombudsman group in XX/XX/ and i waited the requested time frame of 15 business days and have not received any communication from that department. This is affecting my credit profile and finances and i would like for it to corrected as i have now waited an entire year with no results.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing XXXX, XXXX and Transunion that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have a 30 year fixed rate mortgage serviced by Loancare, XXXX  XXXX, XXXX. I live in XXXX  and I am trying to get a XXXX XXXX XXXX. The lender I am working with stated that our deed shows Loancare as servicing a XXXX XXXX XXXX instead of a 30 year fixed mortgage. I have called Loancare three times to get this corrected and I received a different answer every time, although they have admitted their error. I am unable to get them to document this information back to me in writing. If this is not corrected soon, I will loose a favorable loan interest rate on my XXXX XXXX XXXX. This is the only outstanding issue.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

From XX/XX/XXXX to present, Transunion illegally deducted monthly fees of {$26.00} from my credit card without my permission. I never received any services for this fee. Moreover, their website does not have a way to stop the subscription despite my efforts to effect it in writing and by calling them.
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the fair credit reporting act XXXX these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, Experian, and XXXX has violated my rights. 
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 account without my written instructions.

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of XXXX
Consumer complaint received 2020-12-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

I have uploaded all of the following documentation to show record of the original debt collector Unifin on behalf of XXXX XXXX XXXX XXXX offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector XXXX XXXX XXXX XXXX which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX has violated my rights.

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 account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of 1998
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC (GA)

Not my debt. 
I am not the person from whom they are attempting to collect debt and have made that abundantly clear. 

Activate Financial agents have ignored my requests 4 times to remove me from their database. 

I have mentioned to agents that they are now harassing me and that I will report them to national Do Not Call Registry. This has gone unheeded. 

Over past months, I was receiving a call every few days from company. Since telling them I will report them to Do Not Call registry, I now receive 1 call each day around XXXX to XXXX from Activate Financial XXXX.
Consumer complaint received 2019-03-20
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: AES/PHEAA (AZ)

I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. HXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4200.00} -This is not my account.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2022, there was an unauthorized charge of {$340.00} made via my debit card to this company. I requested a refund but have been denied because they submitted a receipt to my bank claiming the transaction was initiated by me. I did not authorized this transaction nor have I received any service or merchandise from this company. I want my money returned to me.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (IL)

XXXX  of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Credit Karma (CA)

On XX/XX/2020 I filed my federal and state taxes through efile on the credit karma app on XXXX XXXX. They said the submitted them. However both agencies, ( irs, ftb ) claim they did not submit them because if they had, I would be able to see status after 24 hours. They still have not submitted them and will not talk to me. I might have just given my info to criminals.This is an urgent matter
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.