davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Tried to do free credit freeze with Experian online. 
They asked me verification questions all of which had NOTHING to do with me. I answered them correctly as none of the above. 

Experian then completely locked me out of online credit freeze. Says I can only signup via US mail. With totally different verification ( more cumbersome ) than the online process. 

I called and the automated phone system locked me out of phone signup. Wouldn't even allow me to talk to a human about the verification either technology error or on purpose design to lock me out. 

Thus is definitely not in compliance with the law in my opinion. Neither of the other bureaus ask four verification questions that have nothing to do with your life past or present. None lock you out with no ability to talk to a human. Only Experian. 

I'm an XXXX and I don't see how this is compliant with the law.
Consumer complaint received 2019-11-05
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. (CT)

In reference to my Trans Union Credit Report # XXXX which is in response to my dispute to four accounts of XXXX   XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX   that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Trans Union is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX!
Consumer complaint received 2019-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

On or around XX/XX/2019 I called XXXX XXXX to cancel my subscription due to a financial emergency. They offered to suspend my account for the month of XXXX with no additional fees, with the understanding no work would be done on the account, which I accepted. Called to cancel again around XX/XX/2019, with the understanding I would owe 1 month billing. I was informed I was being charged 2 months billings XXXX & XXXX. XXXX I understood, but I was told there would be no work done on the account in XXXX since it was suspended so there should be no billing for XXXX. On XX/XX/2019 I was charged 2 months fees. This organization lied and billed me for no work. Additionally, they dispute accounts in good standing instead of focusing on trouble accounts, in order to prolong the subscription and collect additional fees.
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Evergreen services lend me money and I asked several times how much was the interest but they refused and lied to my face. This company is a scam and I want them to stop collecting payments because of false advertisement!!!!! Stop all type of communication with me.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-11-25
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AL)

My phone logged me out of my coinbase app last week. I have tried to log back in so I can cash out my money, but it asked for a two-factor authentication, and the number that is associated with my account is the one from when I was stationed overseas in XXXX. I tried changing the number and doing an ID verification, but because my ID isn't from XXXX, it wouldn't let me verify it. I've tried calling and emailing multiple times and selecting multiple issues, but I've not had any luck resolving this issue.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I have a bank account with TD Bank. I needed my bank statements for XXXX and XXXX and was unable to get it on the phone. They asked me where the paper statements went and it was a long time ago but I had a lawyer taking them in but he returned them but never sent them to me. 

It was a while ago and now I have no statements. I could not use the banking by computer as I tried to do it but it would not work. I had legal loans and money coming in but now I can not prove what came in and went out as I get Social Security which says I have to keep less than {$2000.00} in the bank at all times. 

Could you have the bank mail me XXXX and XXXX bank statements as I paid some rent but can not prove it without you sending it as my landlord did not give me a receipt.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2024-10-25
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. (FL)

in accordance with the Fair credit reporting act Account # XXXXXXXX XXXX XXXX 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 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

Missing closing documents, there was an error in the full amount of the transfer of funds, and completing the legal paperwork that records the sale. I am unable to locate realtor and the escrow company ( XXXX XXXX in CA. ). I also contacted CitiMortgage who was my loan servicer and never received the requested documentation. 

Never received matching financial records from the sale of my home in 2014. I believe there was an error the total amount I received.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up  and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-11-05
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. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/XXXX, I received an email from American Express notifying me that all my accounts have been closed and my over 500,000 membership reward points lost. I was stunned, as all of my accounts were in good standing and I have been a loyal customer since 2014. I have never made a late payment nor abused the rewards program in any way. My credit report shows no negative remarks. American Express gave no prior notification of this closure, and shutting down my accounts without any notice is in violation of the Credit CARD Act of 2009, as it requires a 45-day notice to any significant change to the account.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (OH)

I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX0****, 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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the 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 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 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.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit System, located in XXXX, GA has repeatedly falsely claim and reported a debt for the amount of {$2700.00} on my credit report with all the major Credit Reporting Bureaus which has continued to impede on my ability to obtain any credit or attain any measurable jobs. Several attempts has been made approximately a year now to have this company validate the so called debt I owed them per Section 609 of the Fair Debt Collection Practices Act or delete it from my credit profile with deliberate  speed. But they have woefully ignored my humble requests for it's validation. 

National Credit System is hereby advised to delete that erroneous claim off my credit profile with immediate effect. It is causing it is causing me a serious financial crisis in my ability to move forward with my family. 


Sincerely! 


XXXX XXXX
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (FL)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : 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 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2019-11-04
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed Ally Financial about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX