davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (CA)

I continue to receive mail from First Tech Federal Credit Union regarding an account. I have never openned an account with this union. I once received a mail stating I had an account with {$5.00}, I called to be removed from their mailing list and this stopped for sometime. However, I am not sure it stopped because of my call ( which there was no follow up as promised ) or because I moved. 

At the time of the call I lived in XXXX CA. I have since moved to XXXX, CA. I even received mail from them when living in another state. Even when submitting an opt-out request on their website I continue to receive mail from them.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (KS)

I was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.
Consumer complaint received 2021-05-05
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (FL)

paid this account off in full {$130.00} as is was stated on my credit report from my checking account XX/XX/2018, never receive a confirmation from them by u.s. mail or e-mail. so I called maybe a month later talk to a lady named Ms XXXX but said she could not help me so she try to put me in touch with XXXX XXXX which took a few days before I could talk to her, and when I did talk to her she said that she would have to talk to her manager about my account because is was showing {$130.00} and I only paid {$130.00} but as I told her I paid what was showing on my credit report which was {$130.00} if it would had said {$130.00} I would had paid that so this company XXXX XXXX XXXX XXXX  XXXX Georgia, so nothing was done with her so I called her back a couple of times and it went to voice mail saying that it was full. so I called back the next day and they put me in touch with a Mr XXXX XXXX and he say that he would see about it and at this time nothing has been done but they have my money I am very upset about this they have reported it to one Credit Bureau XXXX, and when I called back nothing still has not been done with the other two Credit Bureau XXXX  or XXXX so I need some help please in getting this resolved
Consumer complaint received 2022-06-14
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)

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-14
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)

n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX VA account number. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$6600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

I have reached out to the Mr. Cooper on several occasions to see if we could come to resolution on the matter of missed payments. I did not hear back and now I received a letter regarding an auction. 

I would like 60 days stay to explore other options at this time.
Consumer complaint received 2020-05-29
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have disputed 4 times with all credit bureaus. XXXX, Equifax and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have disputed 4 times with all credit bureaus. Experian, XXXX   and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Consumer complaint received 2024-02-29
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about these inquiries. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (GA)

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

I have contacted this National Credit Systems XXXX numerous times XXXX regarding the amount that they are stating that I owe and asked them to submit the corresponding information that I owe this amount XXXX and they have not responded nor sent proof of this account. Under the Fair Credit Reporting Act. I would like this item removed from my credit report, or I would like them to submit proof that everything is accurate on this account.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I was looking at my credit report I noticed there was a account I never opened was at XXXX in XXXX  I was unployd at that time was only getting XXXX a week in unployment and being a single mom I would not spend that much on a device or what ever it is I don't have any kind detail about this charge or even what it is I have disputed this several time and they keep saying it right I stand firm on it not being my account for primary fact I pretty much had to revise my credit report I had to disputed several address that I never live at and a phone number that never belong to me. On my credit report I had 110 identity alerts I got to looking at the site there somebody going by XXXX XXXX XXXX same age and live in same town not sure how I get this taking care of this person showing up as my identity but I would greatly appreciated if you guys would look further into my credit report that XXXX bill is not mind
Consumer complaint received 2018-12-10
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: ALLY FINANCIAL INC. (TX)

I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX
Consumer complaint received 2022-06-14
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: WAKEFIELD & ASSOCIATES, INC. (GA)

To whom it may concern ; On XX/XX/2022 WAKEFIELD & ASSOCIATES, and XXXX XXXX XXXX XXXX XXXX XXXX furnished my information knowingly it was fraudulent information. Furnishing knowing fraudulently information such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 years, or both.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine
Consumer complaint received 2022-11-30
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, Experian, and XXXX   reporting for Acct # XXXX Date opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : Experian : {$1800.00} XXXX : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : Experian not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Reposession : Experian Not reported XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE  ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XXXX also attached are the credit reports pulled from Experian, XXXX   and XXXX  that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 


Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXXprovides a cause of action for individuals against furnishers of information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (FL)

On XX/XX/2023 I received a text stating : " Hi, you will now receive texts from KLS Financial Services ( a Debt Collector ) about your {$2700.00} unpaid balance with XXXX XXXX XXXX? 's call XXXX. Pmts and Info : sclk.me.PayKLS. Account XXXX '' This was not my debt. The debt belongs to an adult family member. I believe this is a deceitful email attempting to collect a debt that does not belong to me yet you email me it is " Your '' debt.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of Wells Fargo. I have now spoken to 10 representtative of Wells Fargo and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of Wells Fargo and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.
Consumer complaint received 2022-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX XXXX XXXX XXXX ( XXXX ) ignores and mocks the CFPB by repeatedly labeling my requests and complaints for information as a duplicate. I continue ans continually requested a copy of the permissible permission issued to Experian by XXXX used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.