davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-24
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 have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Credit reporting 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

Have contacted XXXX in regards to false charges through XXXX XXXX XXXX admitted to false charges until dollar figure was noted. Once that was pointed out XXXX said this is fraud but we can not help you you will need to reach out to credit card company. 
I have then called credit card company have been transferred and called to many times to count. Fraud keeps saying they are not receiving my documents or they do not except certain things. At one point fraud has transferred me to disputes explained situation to dispute then they transferred me back to fraud. This has gone for 2 months now. Went to a local branch for help they then called customer service in front of me and resyarted the whole precess.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I sent a priority letter through the XXXX to : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I called Equifax to ask if they had gotten my letter and documents are they claimed they had not received any letter. I lost the tracking number so I was unable to verify if it had definitively been delivered. 

I sent a new letter XX/XX/2023 containing the same information ( Legal name change court order, photocopy of passport, photocopy of SSN card with physical mailing address on it ), and even though it has been delivered as of XXXX am XX/XX/XXXX, they are claiming they have not received any letter from me. 


This letter I sent is regarding a dispute about my personal information, as I wish to update my legal name.
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpine Credit, Inc (WA)

I have contacted Alpine Credit XXXX XXXX Multiple times to verify the debt or send debt validation with no response first on XX/XX/XXXX with no response after 30 days, I sent another letter in XX/XX/XXXX stating it has been over 30 days since my letter and I have not received a response, they marked the account as disputed which means they have received my letters but have yet to contact me. I contacted them a third time XX/XX/XXXX and still no response.
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (MS)

XXXX XXXX with Village Capital contacted me in XX/XX/XXXX and requested that I submit an application to refinance my VA loan to a Conventional Loan. I provided all financial documentation to XXXX XXXX and the loan assist team via email. 

XXXX XXXX stated after 20 days of reviewing financial information and submitting me a written quote stated that due to underwriting review process that my loan application was declined for cash -out refinance of 80 % which would payoff current debt. 

As of this month I do not have access to make an online payment. I am able to access my account information, but not able to make a payment which has caused my payment to exceed the 15 day monthly grace period. 

I feel that this is a deceptive practice that lead clients to believe that a loan product is available to decrease debt to income ratio by consolidation through a cash out refinance loan product. 

This is the ( 2nd ) instance in working with XXXX XXXX that has made it difficult and XXXX  through suffering when his instructions has caused a late payment to reflect on my credit report in XXXX and now continuous contacting me to submit more documentation and loosing a locked in rate with XXXX XXXX XXXX all to say " due to an underwriting error we can not proceed with your loan '' I never received a letter for Village Capital declining my loan application or any other documentation in the mail or email. I only received this information from XXXX XXXX over the phone when I contacted him to provide me the status of my loan application. 

I provided XXXX XXXX a copy of my appraisal I recently purchased for a loan refinance I was going to proceed with for XXXX XXXX XXXX and he stated he wanted top keep my business and that Village Capital could do a cash-out refinance and convert my VA loan to a Conventional loan in the process. 

I provided XXXX XXXX and the loan assist team with my annual income of $ XXXX Wife $ XXXX yr XXXX 's for last 2 years and Tax Returns ( 2 Yrs ), and Rental Income {$1600.00} XXXX Proof and Bank Statements to reflect all income listed.
Consumer complaint received 2022-09-24
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: REGIONS FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting act Regions Bank 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 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. Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MN)

From XXXX, I was constantly getting offers on the Credit Karma website . These offers were for credit cards, personal loans and auto loans. 

I was told that I was pre-approved for these loans and cards, but I was denied, causing my personal credit score to receive negative Marks and lower my score even further.

This made my financial situation even worse causing a lot of stress, anxiety and strain.

One of the companies was XXXX XXXX, which I applied to several times, and there were several other credit card companies as well. 

Ive had an account with Credit Karma For several years now, so these offers can all be tracked. 


Regards, XXXX XXXX
Consumer complaint received 2022-10-03
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-19
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: Prince Parker & Associates (TX)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing a complaint against Capital One for their gross incompetence in handling a claim following a dispute over a payment of service that was cancelled over a fraudulent intent of the merchant. I reported this claim to Capital One back in XX/XX/2022 that this Merchant deceitfully hide information regarding their policy by misinformation. Capital One then requested that I provide proof of cancellation and date of cancellation ( see attached email ). Instead of capital one addressing the dispute in furtherance to the proof I provided on the cancelation date and proof of cancellation done over 400 days before the proposed service by the merchant, Capital still went ahead to make a decision on the claim in favor of the fraudulent merchant based on the fine print from the Merchant which contained information contrary to information given to me by the teachers at my XXXX XXXX for whom the merchant deceitfully went through to deceive parents like me to enroll in the first place. The Merchant XXXX XXXX is nothing but a fraud, and Capital one is collaborating with a fraudulent company over a cancelled service 400 days in advance to rob a customers finance that they ( Capital One ) were set up as a financial institution with an obligation to protect their own customers. I am totally disappointed with Capital One bank, and to think that I banked with them for 12 years only to receive such betrayal from them is complete disheartening. They have shown that they dont know what they are doing. They should do the right thing in protecting their customers finances from a fraudulently intent company like XXXX XXXX.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

want to close credit card a spirirt credit card ending in XXXX, I have been unable to cancel called and went into branch, they owe me XXXX dollars and refuse on close card on top of that they also owe me the annual fee charged XX/XX/30, I canceled XX/XX/30 but they did not honor it, they also said they would reimburse two late fees they have not
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (CA)

I have been requesting information from Aidvantage to send me proofs that these student loans belong to me, Im requesting documents with my alleged wet signature. If they can not provide the requested information they must delete these student loans off my credit reports.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (TX)

I am being harassed by a debt collector that has not sent anything verifying that I currently owe a debt. I owe no one money as I have made sure that all of my debts are paid off. If this company inserts a debt on my credit report then it is in violation of the FDCPA & will be sued in small claims court. I have no problems going through the process because I have nothing but time & will not be bullied by debt collectors whom I owe no money to. Im sending this letter because I know without a shadow of a doubt that this information can not be produced
Consumer complaint received 2022-09-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts 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 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

I have contacted Discover about fraudulent purchases as my card was lost and used on a cross-country trip. It was used at multiple gas stations and other establishments in XXXX, XXXX, XXXX, XXXX, and even XXXX. I contacted Discover and informed them of these purchases, they did shut down my other card and issued me a new card. Now they are saying there were no fraudulent purchases, but I have never been cross country or even to Iowa, Wisconsin, MN, NE, Illinois, and other states. Someone used my card and unlike their commercials which say if you didn't make the purchases you would not have to pay, but yet here they sent me a letter stating there were no fraudulent purchases and that I am responsible for the other balance on the card, which they added and has increased my overall debt and reduced my credit score. They also changed my account information so I do not have the prior account information to even see what to list on here. I did explain there were some authorized purchases as I used it over XXXX and online since I had my card number. I explained how someone continued to access my account and change my number and address, along with my password, and username.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/year>, there was a charge on my credit card in the amount of {$120.00}. XXXX by XXXX XXXX XXXX I disputed this because I have never been to XXXX. My credit card refunded this. A month later, I got a letter from debt collection agency, Transworld System Agency ( TSI ) collecting me for {$350.00}. I was surprised because I never got any bill and suddenly I got a letter from collection agency. I wrote back TSI asking for details and they said their client is XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX Fl XXXX ). I tried to call XXXX XXXX but they could not help me. I am a XXXX XXXX and I have never gone to XXXX. I do not know how they got my name and address or my credit card number and how they were able to produce an account number in XXXX XXXX with my credentials. The collecting agency has been sending me letters and this is so aggravating. Please help me stop this.