davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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)

This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX  OF XXXX XXXX Balance : {$3100.00} XXXX  OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-28
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)

This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX  OF XXXX XXXX Balance : {$3100.00} XXXX  OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$11000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX Collection
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

My Experian credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to Experian proving my case with documentation and they responded back saying it was verified. Also Experian and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Consumer complaint received 2017-06-25
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 — Investigation took more than 30 days
Company: Statebridge Company (FL)

State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. <P/>I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. <P/>You can XXXX them and see the negative reviews from others..
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I recently contacted FedLoan Serving because they weren't following the C19 law - there is a timeframe of 8 months were it wasn't being reported as paid on my credit report I was told they put me in a forbearance unrelated to the cares act - i asked why and they said they were trying to sync my payments so they were due at the same time. 

First, it was never communicated to me what they were doing. 2 : I am on an IDR and my payment is zero from XX/XX/XXXX - XX/XX/XXXX at which time I re-certify. Again absolutely zero reason for a forbearance. 

I asked them to please update those months as paid according to the C19 law - and they just flat out said no. I did bring up that they are violating the law they responded by saying, " well we're not updating you CR Its astonishing they are so blatant in their wrong doing. I am filing a formal complaint first because I need help in getting them to do right thing and because its so egregious and they need to be held accountable
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

According to the Fair Credit Reporting A ct, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Consumer complaint received 2017-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

I sent Alliance Collection Agency a certified letter on XX/XX/XXXX, that they signed for on XX/XX/XXXX, stating that the debt is disputed. On XX/XX/XXXX 30 days after they signed for the mail they did not have the account stating disputed on all 3 credit bureau 's. I requested validation bearing my signature stating that I am contractually obligated to pay Them. I stated to them, if they could not provide me with this information ( and they still have not ) within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX as of today XX/XX/XXXX they have not complied. These accounts were paid by workers compensation. It is there responsibility to validate debts before they purchase them, which they did not do.
Consumer complaint received 2022-04-11
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. (AZ)

According to below LAW States 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 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In XXXX. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
Consumer complaint received 2022-09-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (CA)

I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.
Consumer complaint received 2022-01-27
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: U.S. BANCORP (FL)

The following ( XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( ELAN FINACIAL SERVICE  XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Consumer complaint received 2021-05-16
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. (GA)

I mailed Equifax my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wired millions from BOFA to what ended up being for cryptocurrency. I was never told by BOFA from the beginning that it could be a scam until it was too late after I had already transferred/wired money and I ended up losing about {>= $1,000,000} which Bank of America should compensate me. The transfers were mainly made from the savings account and may have also been made from the checking account.
Consumer complaint received 2022-09-28
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My grievance is with Transunion credit agency. I have a New York state tax lien that was filed in 2010 with reference number XXXX. The amount owed was {$950.00}. My paycheck and bank account were garnished and direct deduction made until the money way fully paid. I have since written letters to Transunion and filed an online dispute for the derogatory record to be removed. New York State law stipulated that the record should be removed five years after the lien has been satisfied. I beg you to use your good office to make Transunion comply with this State law. The tax lien was NYS state tax lien and not federal. The state law should be applicable to this lien since they are the originator of the lien.
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.
Consumer complaint received 2021-05-13
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. (OH)

On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, Experian and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Consumer complaint received 2022-09-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.