davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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. (TN)

I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (FL)

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/ to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (PA)

Ally just closed my savings and checking accounts for no reason. 

I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. 

How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (OH)

AMERICOLLECT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (OH)

I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they hwv3 sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.
Consumer complaint received 2020-06-30
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 received the results on XX/XX/26 from Experian regarding inaccurate information from Collection agency for XXXX XXXX XXXX XXXX XXXX on behalf of XXXX services in Ga. 
They said information was verified and the error is still on my account. 

However, I provided them a copy of a bill that XXXX sent me for {$1400.00} that was signed by someone else for services. I also provided Experian with a copy of my drivers license which has MY signature. I can not be liable for the action of someone else. The creditor should go after that person. The other credit bureaus deleted the error from my credit report based on proper review and investigation by a human. Experian is negligent in the proper handling of my dispute and continues to violate my rights as a consumer under law. I am requesting for removal of this again for about the XXXX time.
Consumer complaint received 2020-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-07-01
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX, XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX/XXXX
Consumer complaint received 2022-07-14
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)

The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance $ - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$3700.00}
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX/XXXX
Consumer complaint received 2020-09-22
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: NAVY FEDERAL CREDIT UNION (NJ)

I was a victim of identity theft and I discovered it back in XXXX. 

I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX and XXXX. 

Navy Federal Credit Union removed the fraudulent account from XXXX   and XXXX but continued to report the fraudulent account to XXXX. 

I sent in a second letter to Navy Federal Credit Union letting them know this account is fraudulent and it should be removed from my XXXX credit file just as it was removed from my XXXX and XXXX credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. 

A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that Navy Federal Credit Union claims was my account. In accordance with section 609 ( E ) of the Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. 

I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. 

Navy Federal Credit Union violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. 

In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and Navy Federal Credit Union is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? 

Further questions, how does Navy Federal Credit Union reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny  requests of information? 

I have attempted to call Navy Federal Credit Union several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. 

Navy Federal Credit Union is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and Navy Federal Credit Union has not been responsive to my most basic requests.
Consumer complaint received 2020-09-22
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 {$0.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

PHH mortgage company has no accountability, can not be reached by phone. I did finally reach them by phone, I made a payment over the phone, because the website is broken, and was content that a payment was made. I even received an email with a questionnaire following up on my over the phone payment. 2 weeks later, I log on to make another payment, only to see that my previous payment was never recognized. So now I have a mark on my credit score. I tried calling the customer service number, no-one picked up. I am furious. I have worked for years to build up and keep a good credit score. What agency allows a company like PHH to operate? All online reviews are at 1 star out of 5 for this company. Who protects the homeowner? The borrower? 

I want my credit score to be restored. I want my fees reversed. I want a reputable company to service my mortgage. I want the Federal Government to prevent shady companies from buying mortgages.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.