davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (NC)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file 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 delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PRESTIGE FINANCIAL SERVICES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-08-01
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)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have received this type of letter at least two other times. It lists XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, Capital One and XXXX XXXX. 

It does not list the name of the SENDER or where this is from. 

It tells me what may happen if I " Fail to Respond ''. 

It only lists a Notice Number, Notice Date and Contact Phone Number. 
Then it lists a debt amount and a Settlement Amount with Proposed Payment Program Amount for 12-36 months. 

I do have a Capital One card but none of the others. I also am in good standing with my Capital One card. ALSO, I do not have near the amount of debt they are claiming. I don't even have near the amount they are asking to " settle for ''. 

There is no company name. I do not owe them. They should not have my information to begin with so I do not want them to " look me up '' by any of MY INFORMATION or contact me regarding this information. It is not mine. It is fraudulent.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I have been contacting Ally about having issues making my payment as I have been impacted by Covid. They have offered absolutely no assistance. I informed them that I lost both parents in the span of XXXX and XXXX of 2021 which created a financial hardship for me. They refused to help. Then to make matters worse, my entire household is battling Covid as we speak. And Ally has absolutely no assistance in place to assist their leaseholders. I have not even had late payment until recently.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Consumer complaint received 2022-08-01
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)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

XX/XX/XXXX approximately, I received a phone call from the " XXXX XXXX XXXX. '' They sent me a email as well with a letter saying that the person talking was with XXXX. His ID number and phone number as well. Claiming that someone was trying to purchase an 1000 dollar XXXX on my account. I'd been contacted 3 times previously about the same thing so I felt ok letting him on my laptop remotely. After a minute he tells me that XXXX is going to help secure my wifi and put a firewall up. But had to be purchased by me. I turned him down and he said that he would have someone provide the funds from XXXX. I gave him my XXXX account number so he could put money in the account. In XXXX minutes there was 1000.00 dollars on the account. I was to use my PayPal XXXX  to purchase gift cards in order to purchase the firewall. Then XXXX would install it. So I purchased XXXX card for 500 dollars on one afternoon and purchased another one the next day. Gave the pin code to the guy who was calling me every half hour. The next day he calls and says he needs into my XXXX account he does this remotely on my laptop. He orders another gift card telling me that it should cover the 1500 firewall. Then PayPal is trying to get the money back never saying what's going on. I ignore it as this guy said he would cover it. A couple of days go by and PayPal is requesting the account be corrected. After getting the last gift cards pin I never heard from XXXX XXXX again. I wrote an text to PayPal explaining this situation but never heard back from them. The whole thing was a scam and I'm the victim except why would PayPal credit the funds. Allow me to purchase goods. Then claim I owed 1100 dollars. Apparently they accepted funds then whomever put the funds on my account were refunded the money after it was used to get the gift cards. Double the funds the crooks used to initiate the scam. That seems to be a problem for their own system. I completed my end of the transaction.500 dollars in and a 500 gift card returned to the scammer. I received nothing from the transfer. Not one cent. I even lost money as at the same time I loaded 30 dollars on PayPal card for XXXX use. That money was taken. I'm XXXX XXXX XXXX XXXX man who didn't think it was going to be a good thing. But didn't expect it. I waited a bit to get my laptop checked and found records on the laptop that the were spying on my laptop for awhile. A couple of weeks. So I can provide that documentation after I contact my computer technician who did the forensics. Anyways any comments about the policy 's of PayPal to let me use the funds then demand them back, I don't know about that. The persons who put the funds on I'd never met or even spoke with. They should still be there at PayPal account. I blocked them from the account but they should be there. Thoughts? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I am writing yet again very flustered and disappointed in the responses I have received. I would like to advise on XX/XX/XXXX by Equifax by way of CFPB that my concerns were being addressed and I could expect to receive correspondence in the mail. Today is XX/XX/XXXX and I have yet to receive any responses in the mail outlining my concerns. 

I have attached a copy of my prior submission that was ignored and closed out without resolve. In addition to the violations outlined and recompense requested via affidavit Equifax failed to respond to me in the form of an affidavit which is required therefore another violation. My request is that this invoice be paid immediately by Equifax to avoid any further escalation. I'm fully aware of my rights and violations as outlined and ignored. I'm requesting that Equifax take ownership and complete request to avoid litigation. Check can be submitted to the mailing address. All documentation has been provided in the attached which confirms my mailing address ( utility bill ) as well as the XXXX which confirms the social security number. 

Please stop with the stalling tactics and rectify your wrongdoings. The affidavit of truth is fully notarized and unless response is received addressing each fact, I expect to receive the requested amount for satisfaction of violation. 

Equifax is now civilly liable to pay me for damages.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

In the past 5 plus years creditors have been trying to collect a debt owed by someone else from XXXX XXXX XXXX. I contacted EACH debt collector with a written dispute requesting the date/amount/services rendered/doctors name and all details including a copy of an agreement signed by me. Each time the debt collector is unable to provide the information as required by law. Then EACH debt collector transferred this matter to another debt collector neglecting to inform the new agency of the dispute history.
Consumer complaint received 2022-01-14
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. (MI)

I had sent a ftc report dealing with fraudulent accounts on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX ) and one of the XXXX XXXX was deleted but not the other and they have the same account numbers just removed on XX/XX/XXXX. both XXXX XXXX and XXXX XXXX are reporting as delinquent accounts, those being fraudulent accounts that cant be possible damaging my report by reporting false info. According to fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.
Consumer complaint received 2022-01-15
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. (OH)

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (NV)

Received an email notification on XX/XX/22 that my SoFi Money ( Checking ) account has been restricted. I have called 39 times and left voicemails on their designated fraud security hotline as well as email ALL departments and tag in social media to get attention. No one from SoFi has returned my call or provided any explanation why my account is restricted and not currently under review. My directed deposit from my employer was rejected and returned causing delays as well as attempts to withdrawal the remaining available balance to make a payment to my SoFi loan.
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

XXXX I agreed to apply for a loan {$1000.00} XXXX I get a direct deposit of only {$450.00} XXXXACH {$65.00} applied to interest only XX/XX/XXXXACH {$65.00} applied to interest only XX/XX/XXXX-ACH {$65.00} applied to interest onlyXX/XX/XXXX-ACH {$65.00} applied to inteerest only I inquire about the loan, only to find that any payments made was to interest and my principal stayed the same amout. Also the orginial 669 % apr has been changed 772 % apr Outrageous!!! sent an email like the website instructs you to do when you want loan deatils. NO RESPONSE!!! 
Yesterday I accessed the website to and setup a customer account. Only to find all these documents that got sent to an email that I use only for my XXXX and to access the internet with my XXXXXX/XX/XXXX 
I never agreed to withdrawls from my bank account but the contract says " to revoke this I have to tell them my option of how I want to make my payments. '' So what I understand the money taken from my bank account is only for their interest and the loan needs further instruction for repayment details??? 
Also federal and state laws dont apply to them, so they can change the terms of my loan and what I agreed to. The " XX/XX/XXXXlands '' what does that mean XX/XX/XXXX
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-08-01
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. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-08-01
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. (PA)

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 2022-01-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

NCB Management Services Account # : XXXX Balance reported {$23000.00} XXXX sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is XXXX XXXX XXXX and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with NCB, we can't provide you with any proof because your account no longer exists with XXXX and so you must contact NCB XXXX " Prior to mailing NCB a letter on XX/XX/2021, I called NCB directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact XXXX directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with XXXX and all 3 credit bureaus to also delete the charged off original lender XXXX account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau XXXX delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can NCB be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!