davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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. (CO)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-11-10
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)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX / XXXX. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions it lists me as an authorized user, and this account belongs to an ex-spouse.
Consumer complaint received 2023-03-23
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2023-04-07
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, ABS XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX, I received a text message from an unknown individual who claimed to have mistaken me for a colleague. Initially, I informed the person that they had contacted the wrong person, but they kindly apologized for the confusion and mentioned that they were from XXXX XXXX. Since I live in XXXX, I assumed we were not acquainted. 
Over time, this person, who identified himself as XXXX, began sending me friendly messages and eventually extended a gesture of apology for the initial mistake, inviting me to meet him. 
Gradually, the conversations developed into a friendly courtship, with discussions about family, work, and everyday life. XXXX presented himself as knowledgeable about investments, particularly in cryptocurrencies, and offered to teach me about crypto trading. 
Intrigued by the prospect of earning additional income, I decided to take part in cryptocurrency investments with XXXX & # XXXX ; XXXX guidance. He introduced me to a platform called XXXX and instructed me on how to trade and invest. Initially, I invested a small amount of {$3000.00}, which yielded a modest profit. Encouraged by the results, XXXX advised me to invest more for better returns. 
As the trading activities progressed, XXXX gradually increased the investment amounts required to participate in the trades. Each time, he assured me of substantial profits. Eventually, I accumulated an investment amount of {$160000.00}, inclusive of profits generated. 
However, when XXXX insisted, I invest a further {$300000.00} to participate in the next trade, I expressed my inability to provide additional funds. In response, he suggested various measures, such as selling assets or seeking loans from banks and friends. It was during this time that he started discussing future plans together, including buying a house and going on vacations. 
Realizing I couldn & # XXXX ; t acquire the additional funds, XXXX proposed that I withdraw the money from my XXXX  account. We initiated a transfer process, but the funds never appeared in my wallet on XXXX, as expected. Subsequently, I received emails requesting payment of taxes on the supposed profits and informing me of an ongoing review of the withdrawal.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (TX)

My computer was hacked on XXXX. An official-looking message took over my screen and I could not work the keys on my computer. I believe it provided a number, which I called and talked to a man who said he was with XXXX. He referred me to what I thought was the Theft and Fraud Dept. of XXXX XXXX XXXX 

Another man, who said he was with the Theft and Fraud Dept. of XXXX XXXX XXXX  told me that my computer and cell phone had been hacked, that I was not to call anyone, that the funds in my two personal and three ministry accounts at the bank were in jeopardy. I was told to leave immediately and withdraw {$30000.00} in cash, then directed to a XXXX machine, and he walked me though steps to set up a XXXX wallet, which I thought was secure, and deposit the money. From XXXX XXXX XXXX I withdrew a total of {$260000.00} cash from my XXXX XXXX Accounts and two XXXX XXXX investment accounts and put it all in four different Bitcoin machines at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The man who said he was with the Theft and Fraud Dept at the bank called XX/XX/XXXX and told me to have my son come over. My son came, I called the man and he told me to hand the phone to my son. He told my son I had been hacked, threatened me and said not to go to the police. 

We immediately went to the XXXX, XXXX  Police Department and filed an official report with intent to prosecute. XX/XX/XXXX we opened new accounts at the XXXX XXXX XXXX ; we will close the other accounts as soon as pending transactions clear. My son called the secret service, who referred us to the Victim Resource Center, and they referred us to this agency.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

- XX/XX/XXXX : I leased a car from Toyota. I successfully paid off all the lease payments on time. Except for once when there was a technical glitch on their system but the payments were immediately made- despite that they report my account to credit bureaus. 

- XX/XX/XXXX : I went to return the car to XXXX XXXXXXXX  XXXX XXXX. They tried to lease me another car and inflated rates but when I declined their offer- they refused to take back the delivery of the vehicle. Saying that due to Covid they didn't have parking space available for it. They asked me to come back at the end of XXXX by then there will be space. I told them that I won't pay any additional lease because I don't want to keep this car anymore. 

- My car was leased for XXXX miles for XXXX  years but I had only availed XXXX during this tenure. 

- XX/XX/XXXX the car was returned to XXXX XXXX XXXX XXXX. The delivery document was also received from them. 

- XX/XX/XXXX : I received a letter from Toyota that I have returend the car on XX/XX/XXXX and there are charges to be paid. These are all frivolous made up charges to which I never agreed. 

- All this time I have been reaching out to Toyota by phone and their online portal but they never attend these calls in the name of Covid and don't even return these calls. They did call me twice to collect the car but they never showed up. 

- XX/XX/XXXX : They send me another fraudulent bill adding lease termination charges. The fact is the lease came to end with all the payments made on time. {$560.00} for outsanding lease and {$380.00} for lease termination. Here 's an article of how Toyota is exploiting customers in the name of Covid https : XXXX - Internet is flooded with Toyota 's fraudulent malpractices, blackmailing consumers to continue taking vehicles from them or they slap them with these never agreed charges. I never applied for lease extension and in fact I had to pay three months of insurance from my pocket- which I want Toyota to pay me. 

- Toyota is harrassing me and spoiling my credit history with credit bureaus by wrongfully and fraudulently manipulating the contract that was ended and reopened with the extortive courtesy of credit unions. 

Other Toyota 's lillegal acitivities https : XXXX? XXXX https : XXXX
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

A deferment was not honored, even though I paid the money I was told by their person. 

Plus they have locked me out of my online account so I can not make a payment, go paperless since I am not getting mail the allege they have sent. 
They claim something called a cease a desist was placed on my account, which I did not do so they claim they can not correspond through my email. 

I will not allow phone conversations since their people are not well trained and do not do what they say because they do not seem to know, ignorance is no excuse to XXXX me as they have, intentionally or otherwise. 
I have been trying to resolve with them since XXXX and they are not workable... .they hang up on me, they transfer me to the wrong departments and they do not honor their word. 

I do not want to involve an attorney, but if this is not corrected and resolved properly through this method this time I will.
Consumer complaint received 2022-06-17
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. (NV)

On XX/XX/2021 XXXX added a derogatory mark on my credit report per TransUnion and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-05-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (CA)

XXXX was sent XX/XX/2022 from Synergetic communication Inc / XXXX. Amount : XXXX theyre demanding the amount is to be received by XX/XX/2022. The name signed by XXXX XXXX, director of operations. 

I told them i dont have that amount by that date and can only offer {$800.00} and they refused to agree. They told me if I couldn't pay the amount, they threatened me thag it would damage my credit report from them
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.
Consumer complaint received 2022-06-17
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # XXXX : XXXX Bank XXXX, have violated my rights, Account # XXXX : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I am writing another complaint concerning my Mortgage. I received a letter from SPS stating on XXXX XXXX that I was offered a Fresh Start Modification but did not accept the offer of loss mitigation assistance by the established deadline. I told SPS that the modification offer that was offered was unaffordable for me. I have constantly asked SPS to make my mortgage more affordable and comfortable. We are living in hard times now. I am constantly trying to work with SPS and I am not getting anywhere with them. They are not trying to work with me at all. I understand that I am behind on my mortgage but I will continue to stay behind when you want work with me. This home is not yours nor mind. I did not receive any money for this house from no loan company in my hand. All the figures are just on paper and SPS will not work with me. Can I be given a comfortable mortgage of XXXX please. All SPS love to do is send out foreclosure letters to make me loose the house. This is A discrimination case because I am XXXX and also a unfair treatment case as well. SPS can you please reevaluate everything and come up with a comfortable mortgage that I can pay. I am under a Permanent Hardship.Thanks
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX account # 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 2022-07-18
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.