davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MD)

There are shady credit card company by the name of XXXX XXXX my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.
Consumer complaint received 2022-05-06
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: LEXISNEXIS (MS)

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, XXXX, XXXX, XXXX and Lexis Nexis broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a dispute with Equifax regarding a chapter XXXX listed on my credit file. The confirmation I received back from them stated that it was verified from XXXX ; however I have confirmed with XXXX that this was deleted from their file. 

I submitted over a Method of Verification letter to Equifax today requesting to be notified who they spoke with ; the date and time ; etc. I have also spoke with XXXX County Courthouse and they too have stated that they do not report to the CRA 's all information is reported to a third party company named XXXX ( which is listed on the dispute confirmation attached ). I just need to know and see the verification that took place. I have also included the fax confirmation number as well. I go through this route because dealing with Equifax has been a pain this far.
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-12-14
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX 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 2020-11-10
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. (AL)

The account was closed and transferred to another company in XX/XX/XXXX. However, the payment status is currently reporting as Late 120 Days. Also, the payment for XX/XX/XXXX is reporting as on time. Then the following month, XX/XX/XXXX, the payment is reporting as 90 days late. I disputed the information with XXXX  in XX/XX/XXXX. They verified the information as accurate. I disputed the information directly with the company in XX/XX/XXXX. They responded with a letter to me stating that the information is reporting correctly and that they verified with the credit reporting agencies that the information is reporting correctly.
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IN)

Dovenmuehle Mortgage is collecting the incorrect amount of money monthly for my property taxes. Two escrow analyses have failed to identify this issue and I have been in contact with them on several occasions in which I have been reassured that the issue would be remedied and I would hear from a supervisor yet neither thing has happened.
Consumer complaint received 2022-12-14
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. (NV)

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 accounts 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : NEVADA XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-04-15
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 (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-12-14
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. (NV)

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 accounts 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : NEVADA XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (PA)

I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

this complaint is being done on National Credit Adjusters and their illegal tactics to report incosistent and inaccurate information after they verified all reported information as accurate with XXXX  and XXXX. 

XX/XX/XXXX I sent this collection agency a letter asking for verifiable proof on this alleged debt. 

XX/XX/XXXX this agency sent me a correspondence letter along with bills statements claiming that what they provided was proof that they are legally able to collect on this debt. took more than 30 days to recieve this letter. 

fast forward to the present days. XX/XX/XXXX I challenged this account with all 3 bureaus regarding inaccuracies. 

XX/XX/XXXX XXXX  results read the furnisher has verified the reported information as accurate. XX/XX/XXXX XXXX  results read this account was verified as accurate. I have yet to hear from XXXX. 

XX/XX/XXXX I decided to pull my actual credit reports AND a trimerge report from XXXX and noticed that all 3 bureaus are reporting 3 different running of reporting time frames. how is that possible when the furnisher has recently verified and reported that all reported information was accurate? XX/XX/XXXX National credit adjusters recently reported to all 3 bureaus XXXX XXXX and XXXX. 

my XX/XX/XXXX reports read XXXX the estimated month and year this item will be removed is XX/XX/XXXX. 
XXXX  On Record Until XX/XX/XXXX. 
XXXX Date of XXXX deliquency is XX/XX/XXXX putting the removal date to be XX/XX/XXXX. 

this is proof in black and white that this blatant and illegal inaccuracy proves that this furnisher is conducting illegal practices by lying to the consumer reporting agencies that all reported information was accurate. if this furnisher can not even verify/identify the correct running of reporting obsolete time then this is clear indication that this furnisher DOES NOT have all proper documentation to legally collect on this debt no longer. this item is also time barred. national credit adjusters are not complying under the FDCPA and they must be held liable for their illegal practices. I have already placed a complaint on the 3 consumer reporting agencies regarding this item.
Consumer complaint received 2020-11-10
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. (FL)

XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF  EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-03-21
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)

XXXX {$0.00} Closed 5 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$0.00} {$1500.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$2100.00} Account was agreed to pay for deletion
Consumer complaint received 2020-11-10
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)

XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

It seems that my credit score is predetermined. Whether I pay my bills on time, pay off old accounts or rebuild my credit. My score has not been what it should be according to similar credit patterns. I have not been treated, or dealt with fairly.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (GA)

Since the beginning of XX/XX/XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.
Consumer complaint received 2023-03-15
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. (FL)

In accordance with the fair credit reporting act account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 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 2022-05-06
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  Acct reference # 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 2022-05-06
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. (AR)

I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below
Consumer complaint received 2022-05-06
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: HCFS Healthcare Financial Services of TeamHealth (WY)

ARS ACCOUNT RESOLUTION at address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : ARS ACCOUNT RESOLUTION, ARS ACCOUNT RESOLUTION SERVICES, ACCOUNT RESOLUTION SERVICE, and ARS ACCOUNT RESOLUTION SERVICE, 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 an account without my written instructions
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.