davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
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. (FL)

I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, XXXX, TransUnion. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, XXXX, TransUnion.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.
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: Experian Information Solutions Inc. (WY)

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

XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have all violated my rights. 

15 USC 1681 section 201 : States I have the right to privacy.

15 USC 1681 Section 604 A section XXXX : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( XXXX ) 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 USC 1681 sXXXX ( A ) ( XXXX ) 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 the information is inaccurate
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (FL)

There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLIPHANT FINANCIAL, LLC (LA)

I saw a collection from OLOPHANT XXXX LLC drop onto my credit in XXXX, XXXX for a XXXX XXXX XXXX that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with XXXX through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, XXXX yeas later.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (NJ)

on XX/XX/2021 I was charged on my credit card {$250.00} + {$250.00} a total of {$500.00}. I called the credit card company and reported this. The credit card company XXXX started a fraud dispute and changed my credit card. This company hasn't resolve this dispute, I haven't received any information about this fraudulent charge and they keep charging me interest and late fees knowing i did not did this purchases, now they reported to my credit report as late giving me a bad score. I have proof that i was in XXXX XXXX on that date with my daughter.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX   to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX  which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX  hurts i sacrificed it to be able to go to this concert but yeah its not cool.
Consumer complaint received 2019-04-25
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. (CA)

the following account names XXXX XXXX, is not my account it is reporting under equifax only, this is an inaccurate reporting, i have disputed several times, they say comes back verified, this is inaccurate they are not disputing this correctly, and needs to be removed and blocked from my equifax credit file please help me to do so, appreciate thank you
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Reviewed my credit report and XX/XX/XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XX/XX/XXXX doesnt report anything while XXXX and equifax reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? Equifax says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XX/XX/XXXX has incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Comments are all different. Date last active all differ XX/XX/XXXX incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Last payment all differ XX/XX/XXXX incompleteness XXXX incompleteness and equifax has XX/XX/XXXX. 
Second XX/XX/XXXX XX/XX/XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!
Consumer complaint received 2022-10-19
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. (NC)

AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : Credit reporting, credit repair services, or other personal consumer reports ISSUE : Incorrect information on your report I am writing this complaint to further show how TransUnion and XXXX XXXX have been reporting incorrect and inaccurate information onto my TransUnion credit profile. On XXXX XXXX TransUnion reported that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see the underlined on page 1 of TransUnion report File # XXXX but continued to allow false reports and monthly charges. However, after XXXX XXXX realized that they were wrong and perhaps wanted to avoid legal action against them, they sent an official letter to me announcing that they were closing the account on or about XX/XX/XXXX. ( see letter attached ) No consumer should have to go through this. I am appealing to you, Consumer Financial Protection Bureau, to address this kind of ill reporting and inaccuracies because I am told that is why your agency exists. The only solution to this issue is delete this now!! 

Thank you for your time and I pray that you will do more than serve as a messenger.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

I have issue with U.S. Bank I been charged more than one fee for a single overdraft. 
XXXX XXXX they returned the fee but by that time they took the fee and made my business account to go un paid . U.S Bank turn around and charge my account again for the same transaction, this cause my business account to lose vendors. On XXXX I deposit {$100.00} all these overdrafts took my account over again then U.S. Bank put another overdrafts back to back XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these charges of {$36.00} each has cause my account to continue overdraft
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I 'm filling a complaint because Equifax has ignored my request to provide me with the documentation that their company has on file that was used to verify the accounts and failed to show proof of original signed contracts. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have questioned. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-03-21
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: Experian Information Solutions Inc. (AL)

Hi, my name is XXXX XXXX XXXX XXXX and I started disputing a bankruptcy on my credit report from Experian XX/XX/XXXX. It is erroneous and inaccurate and should be deleted from my credit report immediately because it is stopping me from getting credit. I wrote them asking them in the first letter according to the FCRA section 609 how did they verify this bankruptcy and they sent me an updated copy of my credit report saying it's been verified. I sent another letter on XX/XX/XXXX according to the FCRA section 611 asking them how did they validate this bankruptcy and they said through a 3rd party XXXX. I have proof that they did not do a full investigation on my report because I pulled my XXXX report and in the bankruptcy section it says No Records Found. And I got a letter from the courthouse saying they don't give any information to reporting agencies, so how is Experian reporting this bankruptcy. I uploaded all the proof I have can you please help me get this inaccurate bankruptcy off my credit report. Thank You
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, Equifax, and XXXX advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report
Consumer complaint received 2018-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

Subject : False letters about collecting a debt amount of {$2700.00} Incident date ( car accident ) : XX/XX/2016. 
Company trying to collect false debt : XXXX XXXX XXXX XXXX XXXX. 
name of 3 collections companies i have responded to : 1 ) XXXX Phone : XXXX File # XXXX ; Claim # XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MA. File # : XXXX XXXX XXXX 3 ) Weltman , Weinberg & Reis Co. , L.P.A . File # XXXX I do not have any responsibility for the debt they are trying to collect. I was not at fault in the car accident. Also, I had insurance coverage at the time of the accident. It was a rental car from XXXX and I had purchased additional liability insurance. 

I am not responsible for this debt. They need to stop all communications with me and with this address, and record that I dispute having any obligation for this debt. In spite of me sending 3 registered letters and supporting documents and evidence, they still keep sending it to new collection companies to harass me and I have responded to all 3.this needs to stop. 

Thank you for your cooperation.
Consumer complaint received 2022-10-19
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. (RI)

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2022-10-19
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: LEXISNEXIS (RI)

CREDIT BUREAUS ARE NOT VERIFYING OR VALIDATING DEBTS AS REQUIRED UNDER FAIR CREDIT REPORTING ACT. THEY HAVE NOT FURNISHED ANY AUTHENTICATED DOCUMENTS AS REQUIRED PER THE ACT. THEY HAVE INGNORED MY REQUEST FOR W9 'S AND COPIES OF THE SSA 89 FORM WHICH GIVES THEM AUTHORIZATION TO DISCUSS ANY INFORMATION REGARDING MY SOCIAL SECURITY NUMBER. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MD)

I was made aware that LeisNexis is reporting inaccurate information about my driving record after having a substantial surcharge applied to my auto insurance. LexisNexis is reporting that as of XX/XX/2017 I received a moving violation for having been found driving a motor vehicle on a suspended license. This is inaccurate and causing me inaccurate insurance rates. The matter of that date was Driving with a suspended Registration which is not a moving violation, rather an administrative violation. 

I am unable to contest this inaccurate information with my carrier and am unable to receive an accurate insurance quote as a result of their inaccurate reporting.
Consumer complaint received 2021-11-07
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. (DC)

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my TransUnion account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Consumer complaint received 2022-10-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

I have been in a forbearance plan with the mortgage holder for at least a year, due to hardships caused by the pandemic. The mortgage holder switched to a new mortgage holder ( Amerihome Mortgage ) and the problems began. The new mortgage holder took several months to process my documents. The documents were provided several times via email and fax ( with confirmation ), although the mortgage holder continued to insist that documents were still missing. I filed a claim with the XXXX and only then was I contacted by a representative and submitted my documents directly through the representative. 

I attempted to apply for a loan modification and was denied with no valid reason, aside from I did not qualify for mortgage modification. I appealed the decision and was denied a second time. There is no reason why I should not have been approved for mortgage relief or modification, due to COVID-19. All the required documents were submitted. This company has been nothing but dishonest and fraudulent the moment they took over the mortgage loan from XXXX XXXX.