davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I filed a complaint against Experian earlier and they responded with general reasons as to why they are refusing to block a account due to identity theft. They removed the original creditor from the the report, but refuse to remove the debt collector for that same account. They provided a few different possible reasons for that. However, I can't respond or send in " proof '' on possible vague reasons. Their reasoning is flawed, If they removed the original creditor and not the subsequent debt buyer that purchased the debt from the original creditor, then why was the original creditor removed, Please read the email they sent me. where they request information to start the investigation and in the same email tell me the request was denied.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (DC)

I am a victim of identity theft Due the this issue of fraudulent information on my equifax report I am not unable to utilize the website to freeze my credit report. 

I have been denied a right to free credit report due to the fraudulent information on my credit report I believe are purchases, from XXXX  to present of leased vehicles, vehicle tags in my name and banking account that I do not recognize in my name I have never owned a drivers license in my life I have never owned a vehicle in my life. I am have been considered XXXX / XXXX XXXX  for the past 32 years I am legally XXXX and I am not employed have not been employed for the past 32 years I am considered a XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2021-07-21
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2018-02-27
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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (FL)

Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY has been asked to identify who they are, there is no current contract or previous contract or any business agreement with this company, when ask to verify they refused, please require them according to the law to cease and desist, form contacting private property unless they can show a contract that is made or my property made with them. 
The name XXXX XXXX is own and control by a XXXX XXXX and unless they have been given, authority to contact the owner. Please cease and desist from contacting. 
Supported by the Privacy Act of 1974. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I recently learned there was credit card bill in he amount of {$460.00} for a capital one card. My report shows the account has been closed or debt sold. I have never had a capital one card before. The account was opened in XXXX 2021.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NC)

My name is XXXX XXXX and I have applied for a mortgage with Cross Country Mortgage. I have paid for an appraisal and I am trying to get it transferred to another company. I am getting nothing but the run around from any and everybody that I speak to at Cross Country. They had no problem taking my {$380.00} to cover the cost of the appraisal and now they are giving me the hardest time releasing the product to me that I paid for. This delay is costing me time, money and energy. I get transferred from one department to another with voicemail and no return calls.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Hello dear! 
I have got my PayPal limited for 180 days on the XXXX XX/XX/XXXX under Ref ID - XXXX So, I have waited 180 days and on the XXXX XX/XX/XXXX I have got mail from PayPal says XXXX'Your PayPal funds are eligible for withdrawal '', I logged in and tried several times adding my new XXXX XXXX  and my bank card and it doesn't work, I have contacted the support of PayPal but they didn't help fix this issue for me at moment of writing this complaint. 
So, Please help me get my funds by helping me adding my XXXX XXXX  or my bank card to get my funds. 
kind regards XXXX XXXX
Consumer complaint received 2019-05-02
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. (FL)

According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MT)

My father purchased a car for me back in XXXX. We opened a car loan with XXXX XXXX XXXX. My father died in XX/XX/2006 and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through Equifax. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling XXXX and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (MA)

Lexis Nexis reported a debt /Default Judgement owed to a XXXX XXXX on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with Lexis Nexis explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " MS XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " MS XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that Lexis Nexis verify the Social Security Number and Date of Birth with XXXX XXXX to provide that its not mine. 

I also explained that XXXX XXXX had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from Lexis Nexis on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting 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)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the Fair Credit Reporting Conversion Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Per complaint # XXXX already filed with CFPB Equifax was to complete its investigation within 30 days. The date of this correspondence was XX/XX/2019. To date I have received no further information or update regarding this. I have supplied previously my letter directly from the creditor showing that I do not even have a debt with them. I will attach it again here. This is absolutely ridiculous!!! 

Please obtain a response from them. I have been working diligently for 2 years trying to get Equifax to update this information and they have failed me for 2 years. 

Please help or I will be force to escalate this even further. 

Thank you
Consumer complaint received 2019-07-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (NV)

Received a collection call for a missing payment for XX/XX/2019 that was paid on XX/XX/2019. Servicing transferred from XXXX XXXX to PHH Mortgage. Payment was sent by XXXX XXXX  to PHH on XXXX vis XXXX ( XXXX ) and received by PHH on XXXX signed for by XXXX. PHH denies receipt of payment and customer service refuses to acknowledge the issue. Called several times and always waste away on hold. When someone finally answers I am either hung up on or placed on hold again.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (AL)

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$130.00} to settle the account with Amex. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. XXXX XXXX  received the check on XX/XX/2020 at XXXX am and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, AMEX is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 

Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have numerous accounts, addresses, phone numbers and inquiries on my Transunion report that is all false and hasn't been properly investigated. I was a victim of 17 data breaches that exposed my social security number as well as sensitive information. I want Transunion to do a thorough investigation on each account properly. Please provide physical proof of each account including inquiries.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At some point in XXXX I searched for jobs and came in contact with a healthcare consultancy. Eventually, they backed out from their intent of hiring me and decided to arbitrarily delay the amount of money they made me deposit in order to apply for my XXXX work permit as my XXXX status in the US doesn't allow to perform paid work until I get my work authorization. I had no intent to apparently fall for their repetitive attempts to breach my legality in the US by offering me under the table salary and expecting me to work in a hope to make me an accomplice. I stuck to my morals. 

Also, they are now being sued in the NY court and they have skipped numerous hearings so far. The benefit of the legal option that I have opted for is that it could also help recover the money of many other gullible individuals over the years. 

The XXXX  reports are filled with fraud and literally the same experiences. 

The fact that the financial system in a first world country doesn't make appealing these scenarios is very unfortunate. 

The banking system essentially becomes the very supporting pillar. 

My bank is " Bank of America '' situated at " XXXX XXXX XXXX, XXXX, NJ XXXX ''. It is this same bank where unfortunately they hold an account. Even in this scenario, I have no easier option than generating noise in a hope to gather help and support. 


The transaction dates : - XXXX USD on XX/XX/XXXX - XXXX USD XX/XX/XXXX - XXXX USD on XX/XX/XXXX The fraudster / beneficiary is " XXXX XXXX XXXXXXXX XXXX XXXX ''