davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  I will seek remedy for any negligent and willful noncompliance.
Consumer complaint received 2022-05-05
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. (FL)

Hi ... 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. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, all have violated my rights. 

15U.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. 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 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Why when I told my lender/servicing company before I signed their loan modification offer sent to me of XX/XX/XXXX, that I told them I couldn't afford their loan modification payments due to both health issues and affected by XXXX loss of income, they told me I have no other option but to accept their loan modification offer or else I could lose my home. 

Why did they never mention any other financial assistance option such that The U.S. Treasury first issued guidance for the use of the XXXX funds on XX/XX/XXXX. As an eligible entity that was approved to participate in XXXX, XXXX entered into a Financial Assistance Agreement with Treasury and received 10 % of California 's total allocation amount on XX/XX/XXXX.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


My current and only address is { XXXX XXXX XXXX }. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX, I paid off my entire credit card balance. This was XXXX day before the due date. XX/XX/XXXX is the due date for the balance. On XX/XX/XXXX, Comenity Bank charged me {$19.00} for a finance charge. I don't think this makes sense because I had already paid my entire balance on XX/XX/XXXX. How can they charge me interest on a {$0.00} balance?
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Someone made a fradulent payment to my account while I was in the hospital with a XXXX checking account number. I could not have made this error onto the account. The payment was made while I was in the hospital from XX/XX/XXXX until XX/XX/XXXX. It is like someone started hacking my account after XXXX years since me having these Amex accounts. I have evidence that I was in the hospital. I am very XXXX  and XXXX right now. I never had a problem like this since I have had the card.
Consumer complaint received 2022-03-17
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. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-17
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. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (MD)

I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I received notice in the mail by a XXXX XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX  not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.
Consumer complaint received 2022-03-17
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. (MI)

FRAUD ADDRESS REPORTING BY EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have an XXXXXXXX XXXX  debit card and it was place on hold because Bank of America repot me too early warning when Bank of America agreed too removing the file XXXX from Bank of America said theyll remove it and its still on there so please remove this file from early warning
Consumer complaint received 2022-05-05
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. (FL)

XXXX XXXX  is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!
Consumer complaint received 2022-03-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In XXXX of 2021, I requested proof from FCO- Fair Collections & Outsourcing , Inc. for validation of an alleged eviction. However, in the corresponding communication I did not receive any supporting or justifying documents from them nor the rental company. FCO is reporting a {$2000.00} and {$5000.00} balance I allegedly owe in collection. In the mail correspondence I received from FCO they only showed me a balance of {$2000.00} from XXXX XXXX  which I have no former knowledge of. The balance of {$5000.00} is from XXXX and I am highly confused as to how they are even reporting two different alleged balances from two different companies. This is causing me major issues with being able to show lenders my credit worthiness. FCO has been made aware that my accurate name is XXXX XXXX XXXX, the debt they are reporting is allegedly for XXXX XXXX. I understand that my name is common but they can not even show proof of my Social Security Number, my ID Number or a copy of my ID. They can not show any supporting documents they would have on file for me. It is FCO 's responsibility to ensure accuracy and completeness on ANYTHING they are reporting on me pursuant 15 U.S.C 1681. I have attached a small snippet of my name from my Drivers License and you will see it XXXX XXXX XXXX, not XXXX XXXX.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

FRAUD INQUIRES XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-17
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: BARCLAYS BANK DELAWARE (NC)

I contacted Barclays in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. Barclays was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with XXXX & we called Barclays which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. Barclays continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.
Consumer complaint received 2022-03-17
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. (PA)

Through XXXX XXXX, Transunion shows that I have an auto loan from XXXX XXXX XXXX in collections with a XXXX XXXX XXXX  XXXX. You can see on my XXXX that this account is closed. Transunion refuses to remove the collection from my report. XXXX XXXX is clearly a scam based on a simple XXXX  search.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

Rent recovery collection agency through skip tracing placed a XXXX collection account on my XXXX credit report XX/XX/2022. There is no personal documentation tying me to the debt, but my name. When I called to address the collection account, I was told the social security number didn't match, my cell phone number didn't match and there were other things as well. I advised the representative that I was a victim of identity theft and if no personal items didn't match upfront why would the account be placed on my report without verification. The rep didn't have an answer and just advised me to send in a FTC report as well as my driver 's license. I advised the company that being a victim of identity theft has already caused me problems. I'm in the middle of buying a home. Adding an account that was opened with a CPN and the collection agency didn't verify the validity of the debt, but only added it because they did a skip trace matching my name is stupid beyond belief. Why wasn't the collection added to the credit report using the CPN that was used to obtain the fraudulent account to obtain an apartment.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

MY identity has been stolen a police report was filed and the information has been mailed to the credit card companies on this report. As of today they remain on my credit report. 

This accounts are not mines are are the product of identity theft.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (FL)

On XX/XX/22, I became aware of a hard inquiry on my credit report conducted by Upgrade. That day I spoke with Upgrade who informed me that someone had attempted to take out a personal loan and credit card using my identity. The identity thief was successful in obtaining the credit card and had been utilizing it. I filed a police report with my local sheriffs department and a FTC identity theft report on XX/XX/22 and sent this information to Upgrade per their request. I was told by Upgrade that the accounts would be closed. Upgrade then proceeded to report the credit card on my credit reports which totaled {$10000.00} in racked up charges. I disputed this account on my credit report with XXXX. Upgrade proceeded to deny the dispute and this fraudulent information remains on my credit report. Ive attempted to contact Upgrades claims department via phone and email multiple times with no luck.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I saw this on my credit report. I asked what it was via email, and was referred to a phone number. This phone number never was able to give me a live person to validate the payment, interest rate, or payment arrangement if I was unable to pay. The email referred me there and no resolution occurred.
Consumer complaint received 2023-09-21
Product: Credit reporting 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)

I sent a letter asking to validate the debt. I gave them 30 days to respond. They have NOT provided the proof. 
The letter was sent certified mail, with return receipt. 
They have violated my rights in many ways. My credit score dropped from XXXX credit score to XXXX 's
Consumer complaint received 2022-03-17
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction