davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Request for Correction of Credit Report Inaccuracy Dear Equifax, I am writing to bring to your attention an inaccuracy on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that my credit history appears to be relatively new, with a reported credit age of 3 years and 5 months. However, this information is incorrect as my oldest account dates back 8 years and 9 months. 

It is crucial that my credit report accurately reflects my credit history, as inaccuracies can have significant implications on my financial well-being. Therefore, I kindly request that you update my credit report to reflect the correct information regarding the age of my credit accounts. 

I have enclosed documentation supporting the accurate age of my oldest account for your reference. I trust that you will promptly investigate this matter and make the necessary corrections to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation once the necessary updates have been made. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc. (CA)

a woman by the name of XXXX XXXX was the loan officer in charge of my loans at the XXXX XXXX of XXXX  XXXX county. she forced me to sign off on documents that I had no idea what they were for. I was asked to forge my moms signature and take out an extra {$20000.00} in loans which are now in collections in my name on my credit. we later found out that this woman was fired from XXXX after more fraudulent behavior..I don't believe this loan should be my responsibility anymore because this woman had me sign papers FORGING my mothers signature as well as the fact that my school has gone bankrupt and is completely GONE now.
Consumer complaint received 2023-06-30
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-30
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)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2019-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I called Experian Credit and spoke to a rep on XX/XX/XXXX rep. The rep refused to give me his name and hungup. I also called back and spoke to another Rep name XXXX whom was really nice but he also refused to give me the name of the rep. He transfer me and someone came to the line and hungup. The rep was very rude and hung up on me. I tried to advised him that i keep sending in proof that the information that they have on file is not me and incorrect. I have sent them proof of where i live and my current name and they refused to correct the information on my report. My current name is XXXX XXXX XXXX and dob is XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX TN XXXX. They have incorrect and false information reporting on my credit report such as a name XXXX XXXX which is not me, nor have i ever used this name.XXXX is the city that i live in. They have a XXXX XXXX which is not me and inaccurate. My name is XXXX XXXX XXXX. They also have an incorrect address XXXX XXXX XXXX XXXX TN XXXX which is not my address and never have been my address, they refuse to remove this address. Its not even an address with that city and zip code in XXXX. I live at XXXX XXXX XXXX XXXX XXXX Tn XXXX. Which i have lived for 38 years, I have sent them a copy of my social security card and address and they still refused to correct and remove this off my credit report. which is inaccurate and incorrect.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (LA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is deliberately reporting incorrect information on my report which has significantly affected my score compared to the other credit reporting agencies. I have reached out to the company that I have direct credit with and they have assured me that the information on Transunion site does not reflect their updated report. This is for my student loan and car loan. My student loan is on an income repayment plan for the past few years and yet last month Transunion alone reported it late for 30 days. I called the student loan servicing company and they said they did not report such information.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, XXXX, Sagestream and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2019-04-16
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. (GA)

i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

I paid my mortgage using the XXXX XXXX app on XX/XX/2019. I was told the auto pay was turned off. On XX/XX/2019 a duplicate payment went out for the same mortgage. Also on XX/XX/2019 the loan was unbeknownst to me sold to m and t bank. 
They are still sitting on a duplicate payment for XX/XX/2019 for 16 days now. 
I have talked to 4 supervisors and they say exactly the same thing each time. 
They all say something happened but they escalated it to the back office pay for next day return to my account. 
And then its back to square one going through this 4 times. They keep saying they do not have a bank document but I have emailed it and also faxed it to them ( they end up saying ti will be out today or tomorrow into my account. 
They are just sitting on it to get those 2 dollars of interest it makes sitting in their account.
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (CT)

I financed a car through a bank but the car has engine issues so I tried to fix it with the dealer but he failed to. I have to take Them to court and I won the case. Since the bank was aware of the circumstances they assigned my account to a special team to follow up and take payments for the loan. I have been making the payments as planned. However, the communication with this department changed all of a sudden and I kept calling leaving voice messages to make the payment. The scenario went on and on for almost a year. I know I have the car and the loan is not complete. So I insisted on contacting them and spoke to various people at the bank until finally someone figured it out. As soon as they realized the car loan has not been paid they took the car without offering me ways to remedy the problem. I called them because I wanted to solve the issue and avoid this type of scenario. So I am with no car and it was not my fault. They want me to pay off the whole loan $ XXXX.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DO NOT RECOGNIZE THE FOLLOWING INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (GA)

i mailed in several letters to experian and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

This company has placed a random collection amount on my credit report which resulted in my score going from a XXXX to a XXXX This needs to be fixed, I have no knowledge of this random collection amount and have never had a derogatory mark/collection ever in my life
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX  is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXX XXXX in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

I received email form MATTRESS FIRM/SYNCHRONY HOME saying I needed to pay my account, which I do not have, nor have a credit card with. I ignored the first email and have continued to receive emails with the following greeting : " Hi XXXX, This is just a friendly reminder that you missed a payment for your MATTRESS FIRM/SYNCHRONY HOME account ending in XXXX. Your new total minimum payment is {$210.00} ''. The email is from account XXXX and the toll free # on in the email is XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I have been in dispute with this company for several months. They have continued to ignore my requests for information regarding this account. 

They have contacted me even after I requested them to stop if they were unable to provide the requested information. 

I just noticed they are reporting this collection while in dispute to the credit agencies. The collection while in dispute is showing and negatively effecting my credit score.

I have asked them to remove the reporting, but to no avail.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: LendUp Loans LLC (AK)

Lend up / XXXX XXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. Please remove from all three credit bureaus as I never had a account with or paid any money to this company.
Consumer complaint received 2019-04-16
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. (NC)

There is a hard inquiry for XXXX XXXX  on my Equifax credit report that I did not make. I have never had any dealings with this company. I call XXXX XXXX XXXX they have no information regarding me. I called Equifax XXXX and they said call XXXX  XXXX and that they could not dispute hard inquiries. This inquiry is dated XX/XX/XXXX on Equifax. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX - Telephone Companies This inquiry could stay on your report unti XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Credit Reporting Agency ( Experian ) continues to report XXXX XXXX on my consumer report that I have identified as identity theft even after I have supplied requested FTC report. Pursuant to 15 USC 1681c-2, this information was to be blocked and removed no later than 4 days. This is not information relating to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has no written or verbal consent or permission to report any information or non-public information to my consumer report. These are violations of my consumer privacy rights. No disclosures was provided to me. Continued reporting of these accounts deems improper utilization in which Experian can be held civilly liable for damages caused to me ( see attachments ) Experian also is blocking my ability to utilize their website to upload my documents. ( see attached screenshot proof ) I tried for 2 days to upload information
Consumer complaint received 2019-04-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The credit reporting company, TransUnion is inaccurately reporting numerous invalid inquiries on my credit file, negatively affecting my ability to obtain credit. Once I learned of this, I began to investigate how this could have happened. I've learned that this company had incorrectly added inquiries to thousands of consumers credit files. I believe that I was also a victim of this error. I called their customer service, however they would not help and take care of the negative inquiries reporting to my credit report. 

There are currently 17 inaccurate inquiries on my TransUnion credit file.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX