davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 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.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DE)

Loan payment was made to Mohela on XX/XX/24, however, I received and email from the federal student loan stating that my payments Im behind on my payments which is not true. The wait time to get through is so extensive and then by the time you get someone you get hung up on its terrible.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX of XXXX, I mailed a debt validation and cease and desist letter to Midland Credit Management ( MCM ). They received it on XXXX XXXX. I then received a collection letter dated in XXXX XXXX. Then starting receiving collection e-mail 's XXXX XXXX XXXX then XXXX XXXX, XX/XX/XXXX and finally XXXX XXXX.
Consumer complaint received 2017-10-07
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: Exeter Finance, LLC. (SD)

I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2022-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.
Consumer complaint received 2018-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

California Check Cashing won't leave me alone. it's out statue of limitations. They even stocking me. I have a private number. Only one has that number is my Doctor 's only. How they got it they won't say. Breaking privacy act what they doing. Stocking a person against the law. They doing illegal business for doing that. There's a phone call today where a man was threatening me with body harm saying from California Check Cashing. I hope they put this up everywhere. 

My attorney will love this one. Threatening me, Stocking me, Getting private information.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (AZ)

Good Afternoon, I started the loan in XXXX on a XXXX XXXX with Citi Financial Auto. In XXXX Citi Financial Auto went bankrupt and I am now trying to get rid of the vehicle. I have tried for over 6 months to get the lien taken off the title but with Citi Financial no longer in business I am unable to do so. and I can't get the title without the lein being taken off in the State of Tennessee.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (IN)

Complaint XXXX - XXXX XXXX XXXX XXXX v Key bank Loan I have many times complained on this account Key Bank misses paying my Homeowners Insurance in my escrow account and the Key bank person handling this matter, XXXX XXXX, started off apologizing saying it was an introvert-ant error and now it has revolved into I have to contact and address by mail. This is a stalling tactic for bad service. 

Other customers get to call an 800 number and are serviced like I have been serviced before in which money has been wired into my Insurance account.

I guess this is retaliation for my complaints. 

XXXX XXXX XXXX
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.
Consumer complaint received 2017-07-03
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. (AL)

I RECENTLY FILED A CLAIM WITH THE CFPB IN REFRENCE TO FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I AM ASKING FOR A  RE INV ESTIGATION. I HAVE LIVED IN ALABAMA 53 YEARS. I HAVE SENT PROPER DOCUMENTATION TO SHOW I AM A LABAMA RESIDENT. NEVER LIVED IN  XXXX   XXXX  NEVADA. SOMEONE APPARENTLY WAS LIVING UNDER MY IDENITY IN  XXXX   XXXX  NEVADA DURING THE TIME I RESIDED IN ALABAMA. I HAVE STATE OF ALABAMA NOTICES FROM THE DEPARTMENT OF REVENUE SHOWING I OWE TAXES FOR  XXXX ,  XXXX .  XXXX ,  XXXX  I HAVE MY ALABAMA TAX RETURNS AND ALSO BILLS. HOW IS THIS POSSIBLE TO LIVE A DOUBLE LIFE. I SUBMITTED 19 YEARS WORTH OF ALABAMA ISSUED DRIVERS LICENSE. POWER BILLS, LEASE. TO SHOW AT THE SAID TIME I RESIDED IN ALABAMA NEVER LIVED OUTSIDE ALABAMA.   XXXX   HAS REMOVED THESE ACCOUNTS FROM MY CREDIT REPOR T NUT  NOT TRANSUNION AND  XXXX . PLEASE SEE THE FOLLOWING ACCOUNTS THAT DO NOT BELONG TO ME  XXXX  -BANKPRUTCY  XXXX   XXXX  NEVADA   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Consumer complaint received 2022-09-08
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. (MO)

XXXX  inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dept of Education : XX/XX/XXXX
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Dept of Education : XX/XX/XXXX
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NY)

I submitted a complaint to XXXX XXXX on XX/XX/XXXX22. 
I followed up with a phone call on XX/XX/XXXX22 to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-04
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)

On XX/XX/XXXX I sent Experian a letter regarding inaccurate and unknown things on my report. On XX/XX/XXXX I received a letter from experian saying that this item was " updated ''. This account does not belong to me and its impossible for it to belong to me. I live in an apartment building where my utilities are included monthly. I haven't had an account for this utility in years and I have lived in this apartment since XX/XX/XXXX. I know that a full and complete investigation takes 30 days. Being that I received a response within a week tells me that the investigation was not conducted. I feel like I am being taken advantage of and that my disputes are not being taken seriously. Again, this account is not mine. Please remove this account from my credit report or I will seek litigation for the damage being caused by this account and the stress that it is causing.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive. 
XXXX XXXX
Consumer complaint received 2017-10-07
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. (FL)

5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
Consumer complaint received 2022-09-08
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. (WI)

on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX  XXXX, XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My husband and I refinanced our home in XXXX through a company called XXXX XXXX XXXX. It was bought out by another company called Mr. Cooper in XXXX. We made an extra payment of {$1300.00} that was supposed to be transferred over to Mr. Cooper ; however, they stated that they did not receive it. After calling them and disputing the situation, they found the money, and on XX/XX/2021, they sent an email that they have the money, and it was forwarded to Account services to apply the funds. We received a statement on XX/XX/2021 that said that our payment was due on XX/XX/2021, which was the correct date that it was due since the extra mortgage payment was applied. We were content and thought everything was taken care of. In XXXX, we check our online account, and suddenly our payment changed to XX/XX/2021. My husband called in the evening, and Mr. Cooper 's representative told him that the money was put in the wrong account number. I called again in the morning that same day, and they said it was still in the account services department being processed, which has been there since XX/XX/2021, according to the last email. According to XXXX from escalation, it will take XXXX business days. If that's the truth, it should have already been taken care of in XXXX. This company has many complaints on the XXXX, and I have made another complaint to the Attorney General. We are tired of dealing with this companies ' disorganization and would like the agency to reach out to them and monitor their business practices, so other consumers do not have the same fate.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (WI)

on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX, XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.
Consumer complaint received 2019-10-27
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. (NC)

HelloExperian : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. No other CRA seems to be the least bit concerned about bad information populating consumers accounts. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Consumer complaint received 2017-10-07
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: AMERICAN HONDA FINANCE CORP (NY)

Honda has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. Honda deliberation audio evidence is available for review and verification.
Consumer complaint received 2019-10-01
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)

I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ORG GC GP BUYER, LLC (CA)

XXXX Closed my credit card and I disputed it without any valid reasons. My husband joined a freedom debt relief to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then XXXX sent my account into collection with a company called GC Services Limited Partnership acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my XXXX CC that is closed with auto payment from my XXXX Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. XXXX reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted XXXX, GC services by phone, mail and fax numerous times. 
I contacted GC Services as XXXX would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to GC Services and still continued my monthly payment. I contacted my real estate agent to get advise about what GC Services told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
XXXX sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.