davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Consumer complaint received 2021-12-13
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. (NM)

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THIS COMAPANY HAS PLACE XXXX ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the XXXX of the XXXX in XXXX.So when filling out a consumer credit transaction it means that I had to use my " card '' aka my XXXX XXXX XXXX aka my XXXX XXXX XXXX to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX are willfully and knowingly committing fraud. This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX/XXXX  XX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX/XXXX  LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Consumer complaint received 2021-12-13
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. (HI)

TRANSUNION AND XXXX HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX TRANSUNION AND XXXX CONTINUE TO ONLY PARROT INFORMATION FROM CREDITORS AND THE ONLY THING TRANSUNION AND XXXX DID is submit the dispute through a computerized system known as eOscar THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. TRANSUNION XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) TRANSUNION AND XXXX should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (OH)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (OH)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Discovered on XX/XX/XXXX that someone ( probably a Pentagon Federal Credit Union member ) had " photoshopped '' a check I had sent in the mail to the IRS back in XX/XX/2022. They cashed a check for {$3000.00} on XX/XX/XXXX and placed in their account at PFCU. I went into the local office and they placed a hold on the money and initiated a fraud case against the perpertrator. On XX/XX/XXXX the perpetrator again " photoshopped '' the same account and stole {$4300.00} out of the same account. According to PFCU I can not talk to the Fraud department and after almost a month my money has not been returned to my account and the overdraft fees overturned.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Hello I am resubmitting my complaint since I didnt get a resolution and my complaint was closed due to a pending loan modification but my loan modification has been denied : I have tried to apply for loan modifications in order to avoid losing my home and to afford making payments and the loan modifications have been rejected. Now Im trying to refinance but my 2nd lien, also SPS, had a 15 year balloon payment which ended XX/XX/2020 so they stopped accepting my payments. I need to get SPS to accept my payments from XXXX thru today in order for me to be able to refinance. I can not refinance without having payments up to date. I can only afford my house with lower payments which can be done through the refinance which will payoff both loans. If not Im stuck and need to prevent losing my home to a foreclosure.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX XXXX XXXX XXXX This company sold our loan to XXXX XXXX XXXX and the entire process was a terrible experience for us. A principal payment was lost during the transfer and they have made little efforts to acknowledge my request for a complete payment history of our account. 

The new lender is not acknowledging the issue and have been difficult to deal with. 

Request immediate assistance to mediate the issue and force XXXX to work with XXXX XXXXXXXX XXXX to find the payment, post it to the correct date, and adjust additional interest charged for not posting the payment.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (CA)

Hello, I have spent the past few years trying to get Equifax to report accurate information on my behalf. They are still reporting fraudulent accounts and accounts that were paid and should be reporting as paid/closed when they are showing as opened. I have contacted them by phone, but I always get someone whose first language is not English and they appear to not understand me and I have difficulty understanding them. I have also asked to speak with a supervisor and I never get a call back. 

I have XXXX accounts on my credit from XXXX XXXX XXXX Account Numbers XXXX and XXXX. The accounts are fraudulent. I contacted XXXX directly and they closed and removed the accounts. However, Equifax still reports them on my credit. The accounts state they were OPENED in XX/XX/2018 and CLOSED in XXXX XXXX they are positive accounts but again they were opened in my name due to false impersonation. I advised the representative XXXX at XXXX that the accounts still appear on my Equifax- he advised me to dispute the accounts with Equifax because they already submitted for them to be removed. According to them the accounts have not been disputed by Equifax but they are telling me they have been disputed and verified. 

They are also reporting XXXX XXXX XXXX XXXX it is a positive account but it does not belong to me and it should not be on my credit if I did not apply for the account. 

XXXX XXXX This account was also opened as a result of false impersonation. The account states it was OPENED on XXXX and CLOSED XXXX. Again- I contacted the merchant about the account and it was closed on their end but Equifax has yet to remove it. 

XXXX XXXX XXXX for whatever reason Equifax is reporting the same account on my credit 2 times. I have no knowledge of the XXXX accounts or the payment status. 

Bank XXXX XXXX XXXX I never had an account with the Bank XXXX XXXX XXXX XXXX account XXXX I have medial insurance and this account is reporting on my Equifax report- XXXX doesn't even state who the collection agency is or where it was originated from. Fraudulent account XXXXXXXX XXXX XXXX XXXX  XXXX Account was opened in my name as a result of false impersonation XXXX XXXX XXXX Account opened in my name as a result of false impersonation XXXX XXXX Account opened in my name as a result of false impersonation. 

Be advised the accounts referenced in this complaint are included in my police report that has been sent to Equifax several times and they are also included on my Identity Theft Report that was filed with the FTC.
Consumer complaint received 2021-12-13
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. (MS)

XXXX XXXX XXXX XXXX are claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, XXXX, and Equifax have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, thousands of dollars lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXXXXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for months/years. I get turned down right away, when Ive had a lawyer attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I wanted to return an item to XXXX, So I went online to get a contact through there website and I went to a wrong XXXX website that was looking identical not knowing it was a wrong site. I called the number I got from this website and the individual gave me a badge number and told me he was going to help. He told me to download an app called XXXX which did and they told me to open my bank account as that will be the easiest way to help resolve the issue I was experiencing with me XXXX account. I did and they told me to punch in some numbers that it is just a code that they are not taking my money. After getting off the phone with them I called my bank right away to notify them and the return part of the money which was {$1900.00} and they refuse to refund me the balance of {$490.00}. Which was part of the code they told me to enter not knowing they were stealing my money. 

Please help with resolving this issue.
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (OH)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: D&A Services, LLC (WA)

On XX/XX/2022 I was left a message on my cellphone by DA Services XXXX XXXX XXXX regarding an alleged debt. I have never been notified of this debt ; this company is not licensed in XXXX to collect a debt. I have been harassed about a debt I know nothing about.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX  {$220.00} Open balance I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the BANKRUPTCY of the U.S in XXXXSo when filling out a consumer credit transaction it means that I had to use my " card '' aka my social security card aka my social security number to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX  are willfully and knowingly committing fraud. 

This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX