davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (GA)

Fraud reporting of a XXXX  XXXX bankruptcy by experian! This is fraud reporting I do not have a XXXX  XXXX filing please call XXXX XXXX XXXX XXXX trustee state of Georgia for verification NO XXXX  XXXX FILED! Freeze on my credit report but experian has allowed community loan servicing and XXXX to report fraud on my credit reportI have no loan with XXXX mortage servicing or community experian XXXX and transition has also allowed pulling of my credit report by community loan servicing and XXXX and XXXX and credit agencies under freezed credit repor this is unlawful to allow them to report on my credit report when the report is frozen no permission given to these companies therefore there are punitive damages fraud slander defamation You have lowered my score and prevented me from refinancing my mortage you are committing a crime of fraud remove fraud reporting of XXXX XXXX XXXX and XXXX And XXXX IS NOT MY MORTAGE COMPANY Fraud reporting remove fraud reporting I do not have any mortage loan with XXXX  YOU ARE DEFAMING ME USDA DO NOT HOLD ANY LEIN NOR DO USDA HOLD MY MORTAGE USDA IS NOT I REPEAT IS NOT MY MORTAGE COMPANY THIS REPORT IS FRAUD and false allegations of bankruptcy XXXX  XXXX bankruptcy was never filed this is fraud! they have no claims on me remove the fraud reporting! I have not filed any bankruptcy remove this fraud reporting off of my credit report! XXXX XXXX Experian has allowed companies to pull my credit and report fraud under frozen credit report this is fraud!
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Location Services Holdings, LLC (CA)

THIS COMPANY ( XXXX XXXX ) HAS CALLED REPEATLY TRYING TO COLLECT A DEBT THAT IS NOT MINE, AND I AM NOT THE PERSON THEY ARE MAKING THESE CALLS ABOUT, WE DO HAVE THE SAME LAST NAME. I HAVE ASKED REPEATLY FOR THEM TO STOP, HE IS NOW CLAIMING H IS A CRIMINAL INVESTIGATOR, THIS IS VERY SCARY FOR ME A SENIOR CITIZEN TO DEAL WITH, PLEASE HAVE THESE CALLS STOPPED THEY HAVE BEEN CALLIN EARLY IN THE MORNING, JUST AFTER XXXX THEY ARE REFERANCING THE FOLLOWING ACCOUNT NUMBERS : THIS IS NOT MY ACCOUNT ... 

XXXX XXXX
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution has reported two invalid accounts to XXXX {$360.00} and {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company. This is not a valid debt and needs to immediately be removed from my credit report.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I logged on to XXXX and noticed that it said there are XXXX credit card accounts. XXXX is not mine. It is a XXXX XXXX XXXX card, opened XXXX XXXX, 2003 ( I would have been XXXX years old when this account opened ). It currently has over XXXX $ in debt and the address for this account is in XXXX XXXX, Texas. I 've never lived there.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (CA)

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. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I applied for a apartment and got denied. When asked by the agency what the issue was they sent me a report stating a company called CBNA, which I never heard of. And it said that I owed {$1100.00} had credit of {$700.00} & that the account was opened XX/XX/XXXX and last active XX/XX/XXXX. There 's also a -40 points on the screen and it says account type charge. I do not have s credit card, I have not activated one and I did not authorize the use of this transaction. This is preventing me from moving and getting a place. if I do n't get this removed I 'll be homeless.
Consumer complaint received 2016-08-28
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. ()

I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money. In the attached image you can see that they ask me for an authentication code that they send to a phone that is not mine and I do not know that phone number.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (PA)

The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name XXXX XXXX.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (MN)

I recently noticed a debt collection agency reported that I owe {$230.00}, CBE Group, for XXXX XXXX. I called XXXX XXXX and they took a while and finally said I probably owe them for equipment. I told them that I have equipment ( modem and router ) but since returning it is such a hassle I planned to just pay for it. They never contacted me or sent me a bill for the equipment. They just sent the debt to the CBE Group. They told me that they sent an email back in XXXX. I have no emails from them. They could have sent me mail, called me, or just taken the money from my account since it had been on autopay previously anyways. 

This is a horrible practice. My credit report has been negatively affected due to their laziness. Please help.
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Crosstown Law, LLC (FL)

I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

On XX/XX/2022, Jefferson Capital Systems agreed to dispute/delete collection from my credit report because the debt does not belong to me and the address on file is not mine. I was also given a reference number. However on XX/XX/2022 the debt was updated on my XXXX credit report as accurate although I was informed that it would be removed.
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2021-11-05
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: Lending Club Corp (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The account LENDING CLUB CORP is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/24 I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. Equifax, XXXX, and XXXX must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.
Consumer complaint received 2022-02-09
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)

XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.
Consumer complaint received 2015-12-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

The loan on my townhome was taken out in XXXX and serviced by XXXX XXXX. In XXXX this loan was sold to Ocwen whom now services the loan. I have never during the life of this loan made any late payments, however, today XXXX/XXXX/XXXX I received a letter from Ocwen date XXXX/XXXX/XXXX with the following " Initial Due Diligence Letter California XXXX XXXX XXXX '' that indicates they are required by California Law to send me this notice before initiating any possible foreclosure proceedings. This is an official notice that, according to our records, your mortgage is currently past due ... .blah blah blah ... the payment was posted with Ocwen XXXX XXXX/XXXX/XXXX which has been verified by XXXX of their servicing agents. I continue to less and less satisfied each month because of the aggressive nature towards me and the serving of this loan, again which I have NEVER missed nor made a late payment on. Additionally, Ocwen has denied me a refinance with them for a 30 year fixed conventional mortgage where I have not asked to be consider for the HARP and have the balance reduced I only have requested a refinance of the current balance into a 30 year fixed conventional mortgage.
Consumer complaint received 2020-06-01
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. (NJ)

I, XXXX XXXX ( XXXX ) have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. This is an incorrect reporting of my account status and clearly a violation of my consumer rights. According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. Again, correct and remove this. In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 5 times!!!!!