davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stallings Financial Group, Inc. (GA)

On XX/XX/2022 I mailed a request for validation of a alleged debt reporting on my credit from STALLINGS FINANCIAL for {$210.00}. I sent the letter certified and no one ever received or signed for it.
Consumer complaint received 2021-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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 2021-06-02
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (IA)

Novad stated in a recent complaint that it is beyond there control and in the hands of HUD. This is not an accurate statement. As I was informed on XX/XX/XXXX via phone by a NOVAD representative that the title was being reviewed by an attorney, HUD completed review in XX/XX/XXXX.
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-18
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. (MO)

The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files.

1. Credit Factor Accounts ( XXXX XXXX ) 2. Credit Factor Accounts ( XXXX XXXX 3. XXXX {$1000.00}
Consumer complaint received 2019-12-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

Chrysler capital is my lender for a vehicle lease. Back in XX/XX/2017 I incurred a 30 day late negative remark due to a bit of hardship. Now 24 months later I've requested with the company to please remove the negative remark from my credit report based on goodwill and the fact that this was the only late payment in the 36 month history. I'm pleading the the negative remark be removed as you can see my current credit history shows my responsibility and ability to pay back. Chrysler Capital said it would be removed after 24 months but the remark is still showing on my credit report. 
I can guarantee that this lapse of judgment will never happen again, thank you so much for your time and understanding.
Consumer complaint received 2021-09-21
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. (MI)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-01-06
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: Prosper Marketplace, Inc. (MO)

I viewed my XXXX credit report and noticed XXXX inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX Prosper/XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-01
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. (FL)

transunion, XXXX  and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

It's been more then 90 days since I send out letter with no response until much later date. 
I have been trying to take care of the account but can not do it online nor over the phone. So there seem to be no way to make the payment. They make it very difficult to take of this account. And it's affecting my credit all this time. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below 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? 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. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (TX)

ON XX/XX/XXXX, I REPORTED TO TRANSUNION THAT THE FOLLOWING INFORMATION IS INCORRECT : XXXX. MORTGAGE HISTORY. SHOWS NONE. I HAVE HAD SEVERAL MORTGAGES GOING BACK TO 1983. 

XXXX CREDIT HISTORY. TRANSUNION REPORTS 30 YEARS. I AM OVER XXXX AND CERTAINLY HAD CREDIT BEFORE I TURNED XXXX. 

XXXX. NOT ENOUGH ACCOUNTS. TRANSUNION REPORTS NUMEROUS ACCOUNTS. WITH XXXX IN CREDIT AND XXXX PERCENT UTILIZATION, WHY DO I NEED MORE CARDS? 

Transunion failed to address these issues.
Consumer complaint received 2022-10-12
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. (PA)

I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : 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 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer report.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

I have been trying to create an account with Binance US for over a year now. They keep rejecting me because their XXXX  system is beyond broken. 

First, they claimed that the house that I've owned alone for the past 9 years doesn't have sufficient transaction history tied to me. This of course is entirely false. 

Then, they requested that I send them pictures of my driver 's license and of me holding up my driver 's license. I did that, but they never responded even though I sent them half a dozen follow-ups. 

The level of XXXX  shown by this company is shocking. They should not be allowed to handle anybody 's money. Unfortunately, they are literally the only way for a US resident to acquire certain crypto coins, which leaves us consumers without choices.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XX/XX/year> I attempted to verify my true identity information and ensure a continued credit freeze & fraud alert. The website locked me out. Suspended my access. When contacting support, the agent ( or XXXX ) insisted I had to login to my account ; but TransUnion locked me out of the account. Each time I called, I was put on hold and the call was quickly disconnected. 
I have to report a data breach and continue my credit freezes and fraud alerts. However, my VERY EXPENSIVE True Identity program through Trans Union is refusing my access to the account AND, they sent an email claiming they will not be offering the credit freezes. I have to resubmit information to continue protection. 
TransUnion is an impossible, irresponsible agency that has opened me up to liabilities, despite my paid enrollment in their true identity monitoring program.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

received a letter dated XX/XX/21 from synchrony bank telling me that they reviewed my account after it has been opened for over a year, telling me that the decided to close my account based on the amount of inquires on my credit report, not enough available credit on revolving accounts, lack of first mortgage account information. 
this is detrimental to my credit report and I never requested this account to be closed
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MI)

This account was fraudulently opened around XXXX?. Not sure on the actual dates. I have been in contact with XXXX multiple times and told them this account was not mine. They sent me paperwork which I filled out and returned. They will not give me any info on this account because my info don't match their files.. I have disputed this collection with XXXX XXXX since XXXX. The dates of these disputes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They keep saying that info is verified. I have never had XXXX XXXX or a XXXX device. I've had XXXX XXXX since XXXX. The date opened on my report is incorrect. The creditor keeps changing. I never made a payment because I didn't know about this account until it was on my credit report. I can't get any information from XXXX to resolve anything. My purse was stolen along with my S.S card and I.D . I have multiple accounts I'm dealing with.
Consumer complaint received 2019-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

On XX/XX/2019, I purchased a vehicle from XXXX XXXX in XXXX, AZ. I put {$10000.00} down and financed the rest with Toyota Financial Services. I was told they use XXXX, so I immediately lifted a Credit Freeze on my XXXX  account. On XX/XX/2019, I received a call from Toyota Financial about a Fraud Alert on my XXXX  credit report. I was asked to answer a couple of questions which I did. I assumed everything was resolved. On XX/XX/XXXX, I received a letter from Toyota Financial saying they were denying my credit because " Unsatisfactory resolution of investigation in response to receipt of fraud alert. '' No mention of the XX/XX/XXXX communication was noted nor was the credit bureau which was the source of the fraud alert. I am working with the dealership to try to resolve this but wanted to report this to you because the situation is egregious. I did what is required of me by law to respond to a Credit Fraud Alert by  answering the identification questions on XX/XX/XXXX. One month later to deny my loan is a violation of my rights. Thank you for consideration of this matter.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.
Consumer complaint received 2019-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XX/XX/XXXX, Transunion, and XX/XX/XXXX asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Consumer complaint received 2020-10-04
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. (IL)

I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT