davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (MS)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. XXXX XXXX XXXX****, XXXX XXXX XXXX****
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

I requested both Navient and Dept of EducationXXXX a requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on XX/XX/2023 Its been 30 days since I sent my request and have not received a response as of yet.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

The company stated in last response to complaint of how to take care of this debt and how to get it off my credit report. Everything that company required me to do, I did, to have it item removed. However, ARS continues to deny communications from me. They continue to give me the runaround when it involves answers based on what I have to do and if they have received it. 
ARS stated in their response to my earlier complaint that the debt could be removed if i was able to show insurance coverage at the time the original debt was undertaken.

It should be noted that my claim all along has been that this is not my debt and I do not know who created this debt. In. No way should the action of me submitting my insurance information be taken as an admission or Acceptance of said debt.

After I received ARSs response and instructions I sent them the required information theee times. ARS refuses to respond to my emails. They have said nothing pertaining to receipts of r these emails. On phone calls thru tell many XXXX XXXX
Consumer complaint received 2023-05-11
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. (MO)

This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXX XXXX  XXXX XXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because XXXX, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXX XXXX  XXXX XXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I would like to withdraw all other complaints against this company that I have previously filed and replace them with this one.I have told this company NUMEROUS times to STOP contacting me by phone and they are not respecting that. I am still getting phone call after phone call every day. It has been over a month now.They are also disobeying THEIR "cease and desist" they told me they had on the account.They sent my account to a lawyer on XXXX. They told me THEY as well had a "cease and desist" from XXXX onwards. The harassing phone calls started on XXXX.The lawyer sent me a letter saying that it was "closed" on their end and it was "sent back to the client" (Capital One), XXXX. I was now to contact them.Capital One has no respect for anyone and their lives. They have no comprehension of the mental cruelty and abuse they put on people by sending them to a lawyer!!!I want NO RESPONSE from them unless they are willing to settle or remove the debt completely. I'm sick of their excuses and explanations.NO MORE PHONE CALLS FROM THEM. NO NORE PHONE CALLS FROM ANYONE THEY HAVE GIVEN MY NUMBER TO. I WILL NOT speak to them by phone. I Don't know what else to do to get them to understand and stop!There is nothing they need to "verify"----especially calling 7 times a day and abusing people.
Consumer complaint received 2023-05-10
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. (LA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

XXXXXXXX XXXX made a serious mistake by setting up the account in my XXXX 's name, and I just had Power of Attorney. Therefore they decided it was my XXXX 's money and made the check out to my XXXX. I am furious with XXXXXXXX XXXX for doing this as I was the one who formerly owned the house at XXXX XXXX XXXX in XXXX. So the money was NOT MY DAD 'S MONEY as the first check from the proceeds of the house was made payable to me. So I brought the check in to XXXX XXXX and had my XXXX endorse it and I endorsed it underneath his signature. I put the account number, for deposit only and mailed it to Ally Bank. Due to the check being made out to my Dad and not including my name on the check, the Ally Fraud Department is investigating me and refuses to release my funds. The check was for {$57000.00}.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc. (VA)

XX/XX/2018, {$85.00}, I didnt know anything about this debt. I honestly thought my insurance paid it. I tried to dispute it but since I am on my mothers insurance it didnt allow me to because it has her name on it.
Consumer complaint received 2023-05-03
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX opened XX/XX/2016 Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sometime in July, I made an account for "Transunion" in an attempt to view my credit report for free. Credit report never delivered, and I was never able to access my account. Unauthorized charge of $XXXX.XXXX to my card on XXXX/XXXX/2019 from "TU*TRANSUNION". I'm not sure if I gave them my card info in the first place. Called number associated with charge, person on other end of the phone asked for my social security number, as well as other sensitive information. Did not continue, as I am not willing to give sensitive information to an unknown source. Ever since creating the account, my email has received a significant increase in spam from companies trying to sell me insurance and loans. I believe this spam is due to Transunion giving my info to other companies without my permission.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not showed a valid contract signed by me and its still on my credit report.XXXX account that they dont have a contract signed by me.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Upon transfer of my account my payment was {$470.00}, within 2months increased to {$750.00}, two months later to {$1000.00}. Was told that prior company was not charging enough and they added insurance. Found separate insurance and was instructed by them to forward them the invoice and they would pay out of escrow. Never did, therefore insurance cancelled. Tried getting explanation numerous times and tried making payments, they would not accept. Mailed them a cashiers check for amount close to what I owed, since I could never get a straight answer regarding amount, and they returned stating an absorbenant amount. Have send numerous emails and left messages for return phone call to no avail
Consumer complaint received 2019-08-21
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. (CA)

I am writing to dispute a fraudulent charge on my account of $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX, $XXXX,XXXX.XXXX.                        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 Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX XXXX XXXX #XXXX opened on XXXX XXXX XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.5. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.6. XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.7. XXXX-XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX  with a credit limit of $XXXX,XXXX.XXXX-This is not my account.	8. XXXX/XXXX with ACCT #XXXX   opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.9. XXXX/XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXXXXXX.XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX, XXXX with a credit limit of $XXXX,XXXX.XXXX-This is not my account.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MA)

Locked in four separate mortgages with XXXX XXXX  of Citibank this past Saturday XX/XX/19. For my primary residence I was quoted 2.75% on a 20 year fixed mortgage with no points assuming a conventional loan and a 60% LTV. This rate was also confirmed with XXXX XXXX  in her department the day before. Later in the day on SaturdayXX/XX/19 XXXX  sent me an email telling me that my rate had changed to 3.00%. I asked her for the reason behind this and she said that my credit score came out lower than she expected. My credit scores ranged between 766 and 810. Speaking with another Citibank representative I was told that this is still considered "excellent credit" and would not affect the rate. Her manager XXXX XXXX spoke to this other manager and determined that XXXX  had lied and the reason for the lower score was that the LTV was higher than 60%. I asked Citibank to correct the loan based on what I was quoted with the rate and terms with this information and was told that they wanted me to pay another quarter point. It seems as if Citibank did not lock in my rate on Saturday correctly. Additionally, I have asked the manager multiple times to call me back and he consistently has failed to do so.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied for PayPal credit by Synchrony Bank and was denied instantly. I received  a letter in the mail citing "amount of collections." I have $XXXX collections, so this must be a mistake. I am wondering if they have the correct information.
Consumer complaint received 2019-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I asked the credit bureaus to verify specific information from the company reporting the information. Instead they only advised that it was verified with information regarding items I did not ask them to verify.  They violated my HIPAA rights and would not remove from my credit union