davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (VA)

in XXXX, My dad fell for a credit card stacking scam from a company called XXXX  XXXX XXXX, which the FTC shut down in XXXX for the credit card stacking scam. He forced me to sign an agreement with XXXX XXXX to obtain business credit. 

UNBEKNOWNST to us, XXXX XXXX  and XXXX XXXX LIED and misrepresented themselves. XXXX XXXX  applied for PERSONAL credit cards after INFLATING my income. My gullible father, a senior citizen, never received a copy of the application. XXXX XXXX  applied for multiple credit cards in my name without my knowledge. I DID NOT apply for ANY card on my own. I have no idea what information they wrote in the applications. My dad was named an authorized user according to Barclays. 

My dad made payments on all cards until XXXX when all of a sudden he wasn't able to do so. My credit was ruined as a result of this scam. I have spent YEARS settling with some of the companies. XXXX XXXX did a real investigation and found evidence of fraud. 

Barclays alleges that I lived in North Carolina and since end of XXXX, I have been disputing this as well as the fact that this card was even mine to begin with. I only discovered the scam at the end of XXXX. I was not even aware that they had a XXXX phone number for me until just a few months ago. I have sent multiple letters and have been working with a credit repair company since XX/XX/XXXX. I have sent multiple letters for the past several months. Barclays claims it is investigating yet no one is able to answer my questions as to why they continuously report a North Carolina address to the credit bureaus or why they claim my dad was an authorized user when I didn't even apply for this card. Barclays ' response is to send me automatic generated letters claiming they did an investigation with no evidence of an investigation. Barclays has yet to prove how they verified my address and income during the application process when a true verification would have confirmed that the income and employment information was inflated and false. It is clear to me that Barclays did not verify any information during the application approval process and I suspect strongly that Barclays, along with XXXX, XXXX  XXXX XXXX and other banks that XXXX XXXX applied for cards with, received some form of kickback from XXXX XXXX  for automatically approving applications without verifying the information. True due diligence would have confirmed that I was living in NJ at the time and working in XXXX and that my income could not possibly have qualified me for a {$15000.00} credit card let alone over {$90000.00} as the email from XXXX shows XXXX Barclays can't seem to prove where they are getting their information from.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

the credit agencies need to do there job and give me the information I am asking for in the letter enclosed. I am disputing several items and they do not respond
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.
Consumer complaint received 2022-09-12
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. (IL)

i sent in complaint orginally XXXX and submited it as 30 days over limit last week and have not heard a word from company on what their doing to rectify this not even email
Consumer complaint received 2021-02-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}, {$1400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-08-20
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America provided a forbearance in which my payments were to start in XXXX of XXXX. I just found out today after trying to get answers from them for 18 months that its now because my payment was to be made in XXXX of XXXX. This is the first Ive heard and they are playing some sick game over there. I have a letter from them stating the payment being due in XXXX of XXXX. XXXX from BofA has given me multiple excuses of why they show my account past due. My account is not past due and they refused to acknowledge or fix. They have reported me late to the credit agencies which is now causing issues with me getting a new car for work. This is a huge problem.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-26
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. (GA)

In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.
Consumer complaint received 2023-03-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (OH)

MRSBPO calls me almost every weekday while I am at work. I have blocked several numbers on several occasions and still continue to get calls from different numbers in a matter of days. These include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE CORPORATION (GA)

The South State Bank ( hereby referred to as " the bank '' ) withheld a payment ( car insurance ) that it was already showing as processed. The payment was made automatically and showed as paid in my account on XX/XX/2022. 
On XX/XX/2022 the bank somehow withdrew several smaller debit items ( enough to cause a negative balance ) that were made more than 1 day in advance, then claimed to " process '' the car insurance payment causing 2 overdraft fees. I am also signed up at the bank so that no payments will clear if there are not funds present. I am accusing the bank of fraudulent practices resulting in overdraft charges.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I mailed a dispute letter to Experian on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

As usual, XXXXXXXX XXXX XXXXXXXX is publishing bad or incorrect information to the credit bureaus and my mortgage payment has fluctuated again. Please contact XXXX and have them remove, from my account, that I was late paying my mortgage in XXXXXXXX XXXX XXXX as its being reported to the credit bureau as being late on XX/XX/2022, and that shouldnt occur until the 30 days. This company is rogue and continues to collect erroneous late fees after being fined by CFPB for their dishonest practices. They also reported XXXX payment as being late on XX/XX/2022. My mortgage payment also went up to XXXX from XXXX without cause. I dont trust this entity as I have stated to the CFPB before and I need your help. I appreciate your assistance in advance.
Consumer complaint received 2022-07-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-19
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. (IN)

I've been a victim of Identity Theft on numerous occasions from Data Breaches of XXXX XXXX and XXXX. I also had my SSN hacked numerous times and used for Unemployment Benefits in Kentucky. I also have actual factual false reporting inaccuracies within my credit report. I have XXXX accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the following 3 charge off accounts deleted for Inaccuracies XXXX XXXX, XXXX XXXX XXXX  I would like the following XXXX  collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are to be deleted immediately from all 3 credit bureaus as I didn't authorize these transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Rapid Auto Loans LLC (FL)

On XX/XX/2020 I entered into a Tittle Loan with Rapid Auto Loan, LLC. The amount I borrowed was $ XXXX@ 31.54 %, which I thought was too high, but because of my financial hardship due to the Covid-19 pandemic I felt that I had no choice in taking the loan, I did not have a job at the time of the loan and due to me not finding employment due to the pandemic. I reached out to Rapid Auto Loans, LLC and explained that I was unable to repay the loan, due to my extreme financial hardship. I was told by Rapid Auto Loan, via text that my payout to avoid repossession was {$3000.00}, which is 200 % of the amount borrowed, ( screen shot attached ).

It is my belief that Rapid Auto Loan, LLC engaged in a predatory action in loaning me the money, knowing that I was not working and wouldn't be able to repay the loan, in which they could repossess my vehicle.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (TX)

Employee ID : XXXX XXXX Customer Care Center Supervisor Navient This is false representation and defamation. She needs to be fired. She had made false statements. And this is negligence and false statements. I have faced damages, and losses from thus malicious fraud. She needs to be fired, she is making fraudulent statements and misrepresentation of NAVIENT. I am suing her and NAVIENT