davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Spoke with Trans- union this evening. I was attempting to upload my mortgage payment info online via trans-union website of current to PROVE my payments have been made and have been current since 2008, and this mortgage is not showing on my report now. Speaking with the trans-union overseas agents, I was told that my mortgage company had to be a subscriber to trans-union??? Well how do I make that happen, I can not. Why is the mortgage not showing up? still, it used to show.  I do not understand this. I just need to show that a lot of years of payments have been made on time other than when the mortgage central bankers tried to take my home back in XX/XX/2008 along with stealing many other homes. Yes it has taken me a long time to get through many deaths in my family and this induced XXXX   escapade of draining from these credit "REPORTING" privately owned entities have been sued many times, maybe I need to get inline on this one.. Why are seniors hit so hard? Can we get this corrected to at least show my payments for now? I do not understand this at all. Bless who come after us.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (FL)

Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXX XXXX XXXX on my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX  car loan. 
police report case XXXX and FTC reference XXXX
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

In 2017 I received form XXXX, IRS ' form for the canceled debt. Sender was Ocwen Loan Servising LLC. However plaintiff on the foreclosure case were GMAC Mortgage, LLC. When I forwarded request for explanation to the Ocwen, they claim that Power of Attorney were granted to GMAC Mortgage by Ocwen. On several occasions I asked Ocwen to provide me with aforementioned document. Ocwen ignored my request. 
PHH Mortgage Services purchased Ocwen. Pursuant 12 CFR Part 1024.36, I forwarded formal Request for Information. PHH Mortgage services refused to present requested document, Power of Attorney. Therefore, I am looking for CFPB 's the assistance in obtaining aforementioned legal paper. 

Thanks, XXXX XXXX.
Consumer complaint received 2018-02-07
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. (TX)

the following accounts are not mine, please have these companies show proof that they are mine they all are on transunion ... ..1 ( TRANSUNION ) ... 1 # XXXX ACCOUNT # XXXX 2 # XXXX XXXX ACCOUNT # XXXX 3 # XXXX XXXX ACCOUNT # XXXX 4 # XXXX XXXX ACCOUNT # XXXX 5 # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 6 # XXXX ACCOUNT # XXXX 7 # XXXX ACCOUNT # XXXX 8 # XXXX  ACCOUNT # XXXX 9 # XXXX XXXX ACCOUNT # XXXX 10 #  XXXX XXXX  ACCOUNT # XXXX 11 # XXXX ACCOUNT # XXXX 12 # XXXX ACCOUNT # XXXX 13 # XXXX XXXX ACCOUNT # XXXX 14 # XXXX ACCOUNT # XXXX
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-11-08
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)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) fail to correctly process in-school deferment. 
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.

XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.
Consumer complaint received 2021-11-08
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. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I mailed experian 3 times asking for the documentation that they used to verify an account on my credit report, all 3 times they have provided nothing other than a typical " account verified '' ..this will not suffice as a final answer to the request i plaed with them.in addition to not supplying me with any documentation, i was told they would not reinvestigate this dispute as if they investigated thoroughly the first 3 times ...
Consumer complaint received 2018-02-07
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: EQUIFAX, INC. (MD)

I have several unauthorized credit inquiries from XXXX XXXX from the following dates :XX/XX/2017 XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
Consumer complaint received 2021-11-08
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)

Reviewed my credit report and XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while experian and XXXX reports its and open account. Funny how experian payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness experian incompleteness and XXXX has XX/XX/XXXX. 
Second XXXX XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!
Consumer complaint received 2024-02-22
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)

there are inquires that are not mine as i explained to TransUnion and XXXX They refuse to take them off they are not mines for i am a victim of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for credit for these companies.
Consumer complaint received 2023-04-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: C.Tech Collections, Inc. (NJ)

I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and XXXX XXXX XXXX  card. 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.
Consumer complaint received 2022-10-14
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: Credit Karma (IN)

Credit karma has told me on several occasions that I qualify for a new card and car loan with excellent approval only to be turned down everytime. This has caused my score to repeatedly go down and reflect negative marks on my credit
Consumer complaint received 2022-04-29
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: Maximus Federal Services, Inc. (NJ)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 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 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE BANK IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE CAP ONE ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, XXXX, XXXX XXXX XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX : XXXX XXXX XXXX  : Contract XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZWICKER & ASSOCIATES (OH)

According to the attached records, on XX/XX/2018, Zwicker and Associates PC, placed an inquiry on my credit report. Then on XX/XX/2018, Zwicker and Associates, a debt collector, filed a collections lawsuit against me, in violation of the Fair Credit Reporting Acts.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have called, wrote and disputed this situation with Experian on countless occasions and yet has Experian handled this properly. Experian is reporting incorrect information on my credit file. The information that's reported is a civil judgement with XXXX XXXX XXXX. Upon my own investigation on the civil judgement I learned that Experian has not been in compliance. Neither Experian or anyone else has ever contacted the District Court to verify that in fact the said civil judgement that they're reporting on my credit profile actually belonged to me. Experian has not verified the accuracy ( time/dates, name, birthday, social security number etc. ). Experian told me that the information was verified through the District court but when I went to the District court the  clerk informed me that they don't share information with 3rd parties, nor do they ( the courts ) report information to 3rd parties but most importantly no one has been in to verify/ update information. So, according to the FCRA I am exercising my rights to resolve this issue.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OH)

I spoke with XXXX back in 2020 to inform them we were leaving the company I then contract bought out with another company and my roommate ran off with his so I shut down. Didnt hear anything about it until now. It flagged my credit so I requested dispute because they got merged their not a company anymore so I dont know who this collection agency is. And claiming they will damage my credit more if I dont pay and being horrible if you look below I was the XXXX number and XXXX bought my contract the XXXX was my roommate but I never heard about so I thought they dealt with him
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (UT)

I was checking my reports and a {$10000.00} charge showed up on my US Bank account. It says a credit card but I have not had a credit card with US Bank in years. Please refund as fast as you can.
Consumer complaint received 2020-01-22
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. (TX)

Credit report reflects XXXX is owed $ XXXX ( + ) for a car loan that they are not the original creditor or lender. Account has been cancelled as evidenced by a 1099 C confirmed by the IRS.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (MO)

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible. 


EQUIFAX FRAUDULENT ADDRESSES TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX EQUIFAX FRAUDULENT ACCOUNTS TO BE DELETED FROM REPORT XXXX XXXX  XXXX OPENED XXXX {$1100.00} EQUIFAX FRAUDULENT COLLECTIONS TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX  {$120.00}
Consumer complaint received 2022-01-11
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: V and H Portfolio (TX)

I have sent in several disputes in regard to this account. each one has been ignored. The account has been updated several times with no proper investigation. This violates my rights as a consumer. I never gave written or oral consent to this account reporting XXXX XXXX