davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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)

My company XXXX XXXX XXXX XXXX XXXX XXXX ) is required to obtain a performance bond to satisfy the requirements of a government contract that we were awarded. The bonding agency uses XXXX XXXX XXXX to do a credit check and denied my bond based on a low credit rating being reported by the Experian credit reporting company. In order to find out what was on this report I had to purchase a credit report from Experian. The Experian report regarding my business gives a score of XXXX or " High Risk ''. The report details a " Bank XXXX '' charge off of {$22000.00} on XX/XX/XXXX XXXX. This is completely false information as I have never had a bank card charge off and have no idea what this is. They don't report the one bank card that I do have which has always been current and has a balance of {$3000.00} which is paid automatically each month. The Experian report also lists a financial services account with a balance of {$20000.00} and a 31-60 past due amount of {$840.00}. The only bank loan that we had was a business line of credit through the XXXX XXXX XXXX Bank which is paid in full and no longer exists. The report also lists XXXX tax liens. XXXX XXXX is reported properly as released but the other XXXX have not been properly updated. This erroneous information is preventing me from obtaining an insurance bond and will cause financial and reputation harm to my company. I filed a dispute with Experian however I have not heard a thing from them. This situation is very time sensitive and I may lose this contract if the bond is not obtained.
Consumer complaint received 2021-07-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XX/XX/2021, I sent a certified mail reporting fraud to TRANSUNION notifying them of fraud on my credit file/report. They sent mail stating they have completed the investigation ( dated XX/XX/2021 ). 
Under the Consumer Rights Law 15 USC 1681 a.e., the investigation haas to be done with the Consumer 's ( me, I ) neighbors, family members and associates.

Transunion has not investigated any of these accounts with my family members, associates and neighbors.

I called them again today ( XX/XX/2021 ), XXXX answered at first and verified name and SS # then stated he would have to transfer me to the " XXXX XXXX XXXX '' Then spoke with XXXX, verified my information in which I let him know I'm calling regarding the File # XXXX that was completed and dated XX/XX/2021. 
XXXX mentioned there was a middle name which was on my report however, the file sent to me does not specify a last name. He then asked me if I wanted it " removed '' and I asked him to please tell me what the middle name was because I do not have one and this is fraud. He stated he just would like to make sure because he is generating another file # XXXX for this investigation. This is also fraud! 

I DO NOT RECOGNIZE THESE DEBT ACCOUNTS and I AM DEMANDING THE REMOVAL from my Transunion file/report. These are the debt accounts : USBK COURT XXXX NEW YORK DOCKET # : XXXX XXXX XXXX/XXXX  XXXX XXXX  # : XXXX XXXX/XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX  XXXX XXXX  XXXX XXXX  # : XXXX I would also like to add per my Consumer Rights according to 15 USC 1692, I do not owe any debt listed above, I am not obligated to pay, I am the Administrator/Agent according to Consumer Rights 15 USC 1602. Transunion can not confirm any debt of mine, and being the Consumer, I am stating this debt does not belong to me. 

Thank you.
Consumer complaint received 2023-04-18
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXXXXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2021-07-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Allen Daniel Associates, Inc. (MA)

I received a notice from the Department of Revenue on Monday, XX/XX/2021 regarding an alleged debt I owe. 

On the Notice from the Department of Revenue it stated : theRequest for Hearing ( Letter ) needs to be postmarked by Friday, XX/XX/2021 and listed XXXX XXXX as the point of contact, should I want to Submit a Request for Hearing ( Letter ). 

I tired getting in contact with XXXX XXXX because I needed a mailing address for the Hearing ( Letter ), eventually hearing back from XXXX XXXX on either Wednesday, XX/XX/XXXX or Thursday, XX/XX/XXXX ; after contacting XXXX XXXX XXXX, College Bursar / Director of Student Payments ( got in contact with XXXX XXXX and elevated the urgency of the matter ). 

This experience was not pleasant and totally unprofessional. 

So, I sent a letter to XXXX XXXX XXXX XXXX on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

And I sent a letter to The Allen Daniel Associates, Inc on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

- After sending both letters, the original creditor of this alleged debt ( XXXX XXXX XXXX XXXX ) has not verified that I am responsible for the alleged debt, nor have they sent a copy of any judgment. 

- Because I have disputed this alleged debt in writing within 30 days of receipt of the initial notice, The Allen Daniel Associates , Inc. must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense ; of which they have not. 

- Furthermore, under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, any attempt to collect this debt without validating it violates the FDCPA ; and I have received two phone calls from The Allen Daniel Associates, Inc on : + Monday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX. 

+ Friday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-06-20
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. (NY)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account 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 2021-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off my loan with Capital one Auto Finance. They have not and will not report that I have paid off the loan. I am trying to improve my credit in order to refinance my home to a lower percentage rate. Number one, I am XXXX years old, it appears that they are discriminating against me, because of my age. Not my ability to pay. Which I have proven that by paying off over {$8000.00}. When I call XXXX XXXX they say I have to write a letter to them. In this day of emails, and automation, that is counter productive to a quick resolution. I have filed a dispute with the credit bureaus. They are in the process of up dating. Capital one has not responded. 

Capital One does not waste any time in filing with the credit bureaus late payments. One day in receiving a payment, it is marked as thirty days late.

This practice of not resolving problems quickly is an abuse of their position of power over me, the consumer. It is impacting me emotionally and financially.
Consumer complaint received 2021-07-09
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: TD BANK US HOLDING COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (LA)

A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX  the. afni. XXXX deleted XXXX  from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I just recently found out that someone in XXXX, GA has used my name for a loan. I remembered the other day that my mom has some type of bank account in my name. She's had it for a while now. And she stays in XXXX, GA. My phone didn't tell me the exact amount the loan was. It just told me that I have a loan in my name. But the bank account that my mom has in my name, I haven't been able to use any type of money that's been in that account, at all. I only found out about the bank account because I went to the mailbox one day and just so happened to see the piece of mail with my name on it. I wasn't told anything by my mother. Not once.
Consumer complaint received 2021-07-09
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-06-16
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i see there is a XXXX  XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

This report shows a record that is false. 
I am not now nor have I ever been a XXXX XXXX. I have never been charged as a XXXX XXXX. And I have never been convicted as a XXXX XXXX. This is false information. 
It shows in bright red a fine of {$440.00}. 
I am not sure what that would be. 
I received a ticket for no insurance when my husband left me. He canceled my insurance, emptied our account, and changed address on these things. So I never got notified that my insurance was canceled. Nor that checks had bounced. I was given a ticket for no insurance and had 10 days to report to the XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was very ill. And wound up hospitalized for over a week. And had XXXX XXXX XXXX XXXX XXXX. After being released from the hospital XXXX XXXX XXXX for not paying the fine. With stitches from XXXX and everything. I bonded out. And went to the court in XXXX, Texas. Where the judge gave me community service to pay the fine. I did the community service at XXXX in XXXX. TEXAS. THIS HAS BEEN TAKEN CARE OF.
Consumer complaint received 2022-11-19
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (NV)

On XX/XX/2023 my attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  sent out a Notice of Recission of Lease Assumption BK CASE No XXXX Pursuant to Section 365 ( d ) ( 2 ) of the Bankruptcy Code, a debtor may reject any executory contract, including a lease, prior to discharge. XXXX XXXX XXXX  informed VW Credit Inc. to come and acquire their vehicle in XXXX of this year of XXXX  which VW Credit Inc. Failed to do. After sometime during this whole process they came a took the property in the middle of the night without informing my attorney or the Courts at all. A few days later or so I get an alert through email from all three Credit Bureau Reporting companies that my vehicle was an involuntary repossession. If that was the case then how come my attorney informed you of the Notice of Recission of Lease Assumption through mail and email which VW Credit Inc. failed to respond for this situation? VW Credit Inc. has damaged my credit worthiness and I am seeking damages in a civil law suit. There is no excuse for what you're doing bottom line. Especially since you have your property back. Therefore, VW Credit Inc. is civilly liable for all the damages that incurred. I will sue very soon! Just to make that clear.
Consumer complaint received 2023-06-28
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-07-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

On XX/XX/2021 Portfolio Recovery Assoc added two derogatory marks on my credit reports per XXXX XXXX along with XXXX XXXX, one in the amount of {$680.00} and one for {$950.00}. My request for the debt to be validated and sent to me was not resolved which I requested certified mail in XX/XX/2021. Upon further research, this account was transferred/ sold, and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA PORTFOLIO RECOVERY assoc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.