davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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: Experian Information Solutions Inc. (HI)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2019-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CO)

well hello I would like to give you guys a thanks too for hearing my situation I've never asked for any type of help or known help and now that everything 's going it's going crazy and I'm not going to be doing no federal prison time I know how it is with that if you get loans or any kind of help you know I'm not signing nothing I haven't received nothing yes they're using my account because they're looking at my XXXX 's and that's how they're stealing right information so I would like to figure out how to stop all that now thank
Consumer complaint received 2019-06-21
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)

First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). As of today XX/XX/XXXX I have not received a Transunion credit file. This credit file still shows 2 fraudulent address ( # 1- XXXX XXXX XXXX in XXXX , Tx XXXX, # 2- XXXX XXXX XXXX XXXX XXXX in XXXX, Tx XXXX ), 5 fraudulent accounts ( # 1 XXXX XXXX  # XXXX, # 2 XXXX XXXX  XXXX XXXX , # 3 XXXX XXXX XXXX , # 4 XXXX XXXX XXXX , # 5  XXXX XXXX XXXX and 2 fraudulent inquiries ( XXXX XXXX XXXX on  XX/XX/XXXX and # 2- XXXX on XX/XX/XXXX ) and 2 fraudulent employers ( # 1 XXXX XXXX and # 2 XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Transunion is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-21
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. (HI)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2019-06-21
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. (CA)

FOR MONTHS I HAVE BEEN ASKING EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT AND I HAVE BEEN CALLING AND REQUESTING FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT. THE SAME ACCOUNT WAS REMOVED FROM XXXX XXXX BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNT. ITS HARD ENOUGH TO BE A VICTIM OF AN IDENTITY THEFT AND TO DEAL WITH EQUIFAX IS 100 TIMES WORSE, BECAUSE IT TAKES FOREVER TO HOLD OF ANYBODY WHO SPEAKS PROPER ENGLISH AND I FEEL LIKE THEY ARE NOT UNDERSTANDING THE CONCEPT OF THE IDENTITY THEFT REPORT.
Consumer complaint received 2018-02-22
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)

Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Consumer complaint received 2019-06-21
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. (MO)

There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Consumer complaint received 2019-06-21
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. (MO)

There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX upon doing an online security check, I found a case opened against me by Midland Funding Company, LLC within the XXXX XXXX County, FL jurisdiction. I was not made aware of any debt held against me or properly contacted. XX/XX/XXXX I reached out to Midland to find out who they were, why wasn't I contacted and what was this in regards to? Representative, Ms. XXXX XXXX switched me to the legal department for where this case was escalated to without my knowledge. I spoke with a Mr. XXXX XXXX from their legal department. After I was able to get clarification on the debt in question, I advised that in XXXX, Midland was given permission to to withdraw via ACH  $ XXXX monthly from my account. He told me that I NEVER made a payment. I let him know that the accusation was false and for him to double-check. That is when he was able to verify that the bill was once {$1800.00} and had been paid down to {$1500.00}. However, he couldn't tell me why they stopped drafting payments. I told him that I never authorized them to stop. The agreement was to pay $ XXXX   monthly and it wouldn't be posted on my credit report. In which for quit sometime, back then it was not. They ( Midland ) claimed that I stopped making payments which isn't true. I wasn't paying them manually, they were withdrawing automatically, per my consent. I asked, Mr. XXXX to send me documentation stating that I cancelled any reoccurring payments which would have voided the verbal contractual agreement and also that it wasn't on my part of any mishaps that may have happened within their company. According to the docs provided to the courts they claimed they properly notified me and they did NOT which is also another false claim. When I asked Mr. XXXX for documentation, they wanted me to pay them instead of providing me with proof. I told him in order for me to cooperate, I needed everything in writing for my records ; since, they lied several years ago and now put me in a position that can cost me do to their negligence.
Consumer complaint received 2019-06-21
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. (TX)

this account has the wrong open date Account Name XXXX XXXX XXXX   Account Number XXXX and this account was improperly raged Account Name XXXX XXXX XXXX Account Number XXXX the following account has an improper open date and was also raged Account Name XXXX  XXXX XXXX Account Number XXXX the payment history on this account is not accurate Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC (CA)

On XX/XX/2019 I reached out to my loan officer to discuss the loan product I was given. I had a problem with the interest rate and APR. I felt that based on my credit profile, I should have been given a better rate. I was advised to submit a competitors offer to match. I did submit a second offer, however I still was not being treated fairly. On XX/XX/XXXX I reached out to the office manager to reach a resolution. I was told that my competitive offer would be considered and that changes would be made to my loan product in order to keep my business. Minor changes were made on XX/XX/XXXX, however I am still unsatisfied with the loan product I was given because unfair lending practices are still being used in order to manipulate me. On XX/XX/XXXX my loan officer called me and told me that I can go with another lender or take the unfair terms of the financial product that is already in place. At this point I am less than a week away from my closing date and I do not have sufficient time to find another lender. If I do not stick with this unfair loan product that was comprised using to predatory I will loose my deposit money and the home that I am trying to purchase.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

Hunter Warfield collections company keeps calling me repeatedly from different numbers in attempt to collect about {$200.00} for an apartment application that I never submitted. I've told the representative that the apartment complex XXXX XXXXXXXX in XXXX, TX lied and sent my file to collections falsely because how does someone submit an application without a payment going through? I have bank statement from XX/XX/2021 that shows I paid {$440.00} for the application, security deposit, and administration fee, so there is no reason for me to owe anyone {$200.00}.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
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. (OH)

XXXX  Transunion and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***Summit Financial- Filed chapter XXXX bankruptcy Cant Validate loan. Told from Summit XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt *XXXX- recalled debt *XXXX XXXX-/XXXX- recalles debt *XXXX XXXX- couldnt validate debt or payment history. 

*Exeter XXXX- reporting inaccurate payment history and cant validate debt. 

*XXXX/XXXX- cant validate debt How are you verifying debt? 
Need proof.
Consumer complaint received 2019-06-21
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)

XXXX XXXX and Experian are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy XXXX XXXX loan. Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX recalled debt XXXX XXXX   recalles debt XXXX XXXX couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.
Consumer complaint received 2019-06-21
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. (TX)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX my SS XXXX DOB is XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXXI am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX The follow number are not accurate please delete/remove they are not mine : ( 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 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Recently I applied for a line of credit with the Bank of America. My credit score is XXXX, I have substantial assets, and I own my own home free and clear. The bank advised me yesterday that there was a problem. On a title search it came up that there was an $ XXXX mortgage on my home taken out in 1987 through XXXX XXXX. And there was no release of lien. The problem is, that I never took out a mortgage with XXXX XXXX  located in XXXX, NY. What apparently happened was that XXXX was in financial difficulty. They merged about that time with XXXX XXXX. And then they were taken over by Bank of American. It looks like XXXX " Cooked the Books '' to increase their valuation before the merger. Now I am having a problem clearing my title.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX my SS XXXX DOB is XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX.I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

CAVALRY PORTFOLIO SERVICES # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. SOME TYPE OF PROOF OF OWNER I request that CAVALRY PORTFOLIO SERVICES Provide verification of the following a itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAVALRY PORTFOLIO SERVICES Cease and Desist all further communications and collection actives and provide  the verification of the purported debt.
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re :  Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC #  XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX 4 XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.