davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.
Consumer complaint received 2022-10-16
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. (WI)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX XXXX Account number : XXXX. 






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 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/18 I attempted to get a free credit report from TransUnion only to be charged {$27.00}. I was able to get a refund. I saw an article about it happening to others and wanted to report it
Consumer complaint received 2022-09-27
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)

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

1. XXXX CO XXXX XXXX XXXX XXXX, XXXX, 2022 ) 2. XXXX ( XXXX 2022 ) 3. XXXX XXXX DELAWARE ( XXXX, XXXX, 2022 ) 4. XXXX ( XXXX, XXXX, 2022 )
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Consumer complaint received 2019-10-10
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: ERC (LA)

On XX/XX/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau immediately.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (IN)

On XX/XX/XXXX American first XXXX Charged bank for payment at Bank that was taken off the account prior to charging it.Then the same date changed the new bank account the same amount.This was a double payment made to the same loan. The problem is the first payment was drafted from a bank account that was in process of being closed and they at this present time made this account rake up fees that is costing me money overlimit fees and overdraft fees on top of the payment amount that was not in the account. And they still at this time not issued refund or fixed there problem XX/XX/XXXX. PLUS ON TOP OF THIS THEY START THIS WITH DRAWS THREE DAYS BEFORE THEY ARE DUE.
Consumer complaint received 2022-04-13
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. (NY)

I recently checked my credit report and I noticed some inquiries from companies I did not give consent to access my credit report I respectfully request the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically, written, in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit report unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 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 2022-04-12
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. (PA)

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I contacted the collections company to let them know that the debt is false. I tried to lease a product from XXXX and they sent the product to my old address in another state. I then contacted them to report it and they told me to fill out a claim form. I filled out the claim form and included the correct address so that they could send me the product. They sent the product to the old address again and asked me to fill out another form. I told them I changed my mind and now I did not want the product. They have now sold my account to debt collections for the amount that the product was worth and Ive never received the product. I spoke with Resurgent Capital Services ( debt collecting company ) and told them the issue and they basically stated that there was nothing that I could do and I would have to pay a debt that isnt mine!
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

Returned equipment and paid bill to XXXX for their internet services. Waypoint is saying their final payment was never paid. I let waypoint know when the return was made to XXXX and the bill was paid. I told XXXX to let me know if there would be any other costs. I was told that everything was paid and all had to do was return in equipment.
Consumer complaint received 2022-04-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions, You sent me a credit report stating the fraudulent account XXXX XXXX XXXX XXXX has been deleted but on XX/XX/2022 the account was reported again without my consent. therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft and the state attorney of Florida, the XXXX XXXX XXXX XXXX of Florida. ( all documents attached ) Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX This is a notice of default and opportunity to cure for Equifax as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to Equifax including affidavit of truth, Exhibits A ( Pointing out each violation ). in the case you default again, a lawsuit will be commenced against you.
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount Capital Group, Inc. (GA)

Paramount Capital Group and XXXX XXXX XXXX are continuing to run a Ponzi scheme against innocent consumers to obtain a commercial driving license, and this time they are lying to the Consumer Financial Protection Bureau. Under a previous complaint ( XXXX ) Paramount Capital Group replied stating they no longer service that fraudulently obtained loan ( XXXX ) through XXXX XXXX XXXX XXXX Like my complaint before I am alerting CFPB that these two entities are running a XXXX  scheme against innocent consumers. This fabricated reply to my complaint further solidifies my position it is a concerted effort by both parties. It is a classic move in a XXXX  scheme, and it must be eradicated to protect future consumers. For this reason, XXXX schemes are extremely unstable and inevitably collapse when there are no more new consumers or when CFPB gets involved. Paramount Capital Group is still using unprofessional gangster collection tactics on me, and they have placed this fraudulent loan on my credit report. They have violated the law and the law must be enforced through the CFPB.
Consumer complaint received 2022-04-12
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. (CA)

XXXX XXXX  Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''
Consumer complaint received 2022-04-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (NJ)

The mortgage company, Homebridge Financial Services was the originator of the initial mortgage of my home in XXXX. In the interim, Homebridge sold the loan to XXXX XXXX. During Covid, my business decreased significantly which later resulted me to go into a forebearance program with my mortgage. In the summer of XXXX, the forebearance period ended which then meant that I had to resume mortgage payments. I then turned to Homebridge since they were the originators of my mortgage and applied to refinance my mortgage to lower my interest rate and term. The mortgage was a bank statement loan being that I am self employed. From XX/XX/XXXX to XX/XX/XXXX, the mortgage has yet to be approved. The original loan XXXX caught XXXX which then introduced his supervisor, the loan manager to oversee the file. It has been over 8 months that this loan application has been dragged and mislead. Every week, there's been a request to submit a document, pay down a credit card, but now once until last week did we hear that there are no longer unconventional loans being approved. I'm submitting this complaint of the deception that Homebridge Financial has engaged. Their promises that the loan was going to be approved was absolutely false. I was convinced that the loan manager was experienced and truthful so much that I didn't pursue other lenders. ( why would I pursue any other lenders since Homebridge already had my history ) For the last 8 months, I had to pay a high monthly mortgage payment of {$4400.00} that I couldn't afford thinking that this month would be the last. Homebridge was 99 % sure that the loan would be approved but it was never submitted to underwriting. This is why I know I was wrongfully advised and deceived. This week I approached 2 lenders and submitted my tax documents for them to review my file for a loan. They all told me that there's not been an unconventional loan program for some time. ( bank statement loan ). I'm frustrated and angry that the loan manager has NEVER mentioned that the underwriters never looked at my file and that that the unconventional programs have ceased. 8 months of wasted time and money down the drain!
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX  XXXX Bankruptcy XX/XX/XXXX, they have called me several times and sent emails.