davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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)

I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account and was told that it would be removed due to it being identity theft as this account does not belong to me and may belong to someone else and or open fraudulently from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached to this complaint and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME
Consumer complaint received 2019-03-24
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 have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Hello, So, I was the victim of identity theft from a previous book-keeper, ( XXXX XXXX XXXX XXXX He took out this very high interest loan using my information. I DID NOT know the interest rate was XXXX XXXX  I would never have authorized this if that had been disclosed. It was deposited into my business account by the book-keeper ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was a very high interest line of credit that I would never had authorized if I had known how high the interest was. I have reached out to the company with an email regarding the fraud situation. I also have a case number with the local Sheriff 's office and the FBI to help catch this person who did this to me. FBI Case Number : XXXX and XXXX XXXX Georgia Sheriff 's office XXXX XXXX XXXX XXXX 

Please let me know how I can combat this injustice. I should not be responsible for debt incurred through identity theft. My company can not afford any super high interest loans.
Consumer complaint received 2023-07-25
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. (AR)

I am writing to express my extreme dissatisfaction and concern regarding the erroneous late payment entries that have appeared on my credit report for my loan with XXXX XXXX XXXX XXXXXXXX. It is crucial to note that I have consistently made all my payments on time, maintaining a stellar payment record with this institution. The presence of these late payments on my credit report is not only misleading but also damaging to my overall credit standing. I have made diligent efforts to rectify this matter by contacting the XXXX Credit Bureaus, but unfortunately, my attempts have yielded no successful resolution so far. It is evident that there has been a serious error on their part, and I request of you to conduct a thorough investigation into this issue immediately. I can not stress enough the urgency of this matter. The integrity and accuracy of my credit report are of utmost importance, as it directly impacts my financial opportunities and credibility.
Consumer complaint received 2018-02-24
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. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Sale of account — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.
Consumer complaint received 2022-05-13
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

XXXX of 2022 Homepoint did not pay my property taxes on one lot, when I brought it to their attention they said they would pay it. Then processed to change payment of my mortgage and raise my property taxes numbers to inaccurate amounts. They said they sent a check to county tax and county never received it. They deducted to from my escrow account and never paid county nor reimbursed me. Late fees were piling up. I ended up paying it out of pocket to avoid foreclosure and more fees XX/XX/2022. XXXX Ive contacted them on 6 different occasions about all of the mistakes theyve made. Have had no resolution. They tell me something different every time I call. 
Currently they are taking way too much for escrow. Ive calculated their error to about XXXX. A year. When my property taxes and insurance come to a total of XXXX. A year. All have been verified current with county. I cant afford to keep taking these hits. Im a widow on social security and I feel like they are taking advantage of me.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

( EASTERN ACCOUNT SYSTEM ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) has been sending me collection notices in the amount of ( {$98.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-12-20
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 looked over my credit profile and noticed that there is a fraudulent account on my profile the following account below is fraudulent : TransunionXX/XX/XXXX Account number XXXX Date opened XX/XX/2016 XX/XX/XXXX
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I sent a validation letter on XX/XX/2020 and mailed it certified. I tracked the letter and noticed that Credence received it on XX/XX/2020. On XX/XX/2020 I realized I had not received a response so I called to request removal of this negative remark on all three of my credit reports. The request was based on the Fair Credit Reporting Act, which says companies have 30 days to investigate disputes and if they can not verify the information within the 30 day time frame, they must delete all of the disputed accounts from my report.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had about {$2400.00} on my EDD debit card. & days ago, I was going to use my card when it got declined and only had XXXX on the card. I called the bank and they said that XXXX, XXXX was debited to another account. Plus there was transactions debited on my card that I did not do. All I want is my money returned. It was close to XXXX and when I received my new card, it only had XXXX on it. They said it was money that was returned to me. How could that be if I haven't been using this card? I'm XXXX off and I want to do something about my case.
Consumer complaint received 2020-12-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (OH)

Complaint : My loan servicer MID AMERICA MORTGAGE accepted direct payments from the CARES ACT in a lump sum for my mortgage payments in the summer of 2020, then reported late payments to my credit file with the national credit reporting agencies in XX/XX/2020. 

The actions of my servicer were intentional causing serious financial hardship to me and my family during a National crisis. Because of the administrative actions of my servicer, my credit rating dropped to less than favorable, triggering a higher interest rate and closing costs to refinance. Now I can not afford to refinance. 

Mid America Mortgage accepted taxpayer funds, assuring consumers they would not harm their credit rating. They mislead consumers causing more financial harm to already struggling American families. 


I have made contact with the company to no avail.
Consumer complaint received 2020-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX XXXX math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I summited the requested documents by certified mail to Trans Union XXXX XXXX XXXX XXXX on XX/XX/2019 to have information corrected on Trans Union Credit Report this is reported incorrectly regarding the XXXX XXXX  Credit Card account XXXX as and delinquent account From XX/XX/2019 and XX/XX/2019. 
When the XXXX Credit Card account XXXX was Discharged in Chapter XXXX Bankrupcy Courts from case number XXXX from the order of the Chapter XXXX Discharge notice on XX/XX/2019 and notice from the XXXX XXXX Credit Card Service verifying in the Attachments I mail to Trans Union Date XX/XX/2019 from the Creditor XXXX that the XXXX Credit Card account XXXX has been Discharged in Chapter XXXX Bankrupcy on XX/XX/2019. 
In which Trans Union Credit reporting Agency is failing to make the correction on my Trans Union Credit report regarding the XXXX XXXX Credit Card number ending in XXXX from Deliquent account to Discharge in Chapter XXXX Bankrupcy knowing from the requested documents I has mail them showing that this account is Discharged in Chapter XXXX Bankrupcy instead of being Deliquent.
Consumer complaint received 2022-10-19
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: TD BANK US HOLDING COMPANY (MO)

To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX late postings XXXX XXXX XXXX  late postings XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-02-24
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: Navient Solutions, LLC. (CA)

XX/XX/XXXX-XX/XX/XXXXI went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the XXXX XXXX in XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as XXXX. I did NOT attend ANY school in XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a federal job. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
Consumer complaint received 2020-12-20
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are 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.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$600.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.0XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$7400.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$1200.00} Date Opened : XX/XX/XXXX