davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent  such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (MD)

on are about XX/XX/2020 I reach out to mintomoney to see if I can get a increase my loan amount .I was told even though I have made 4 payments of XXXX that I've only paid. XXXX cents on 1 payment XXXX cents on another payment and XXXX cents on another. I stated That they have tooking a XXXX out of my account. and I have not even paid back XXXX on a XXXX dollar loan they told me no I haven't my loan is for 40 months doing the math I will be paying XXXX on a XXXX dollar loan I said that's loan sharking and I was going to report them .So here I am willing to pay back the loan but not XXXX for XXXX dollars
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried numerous times to fix this problem with this company, and XXXX county collection keeps going in my credit file to change information to benifit them. I have told them on numerous occasions that that is not mine, I finally got tired and just let it fall off on its own, but theyve reaged it to suite them. They have an opening date of XXXX XXXX on my file. The supposed delinquency date isXXXX from the original creditor XXXX XXXX. I request that this false info finally be removed from my credit file of TransUnion. It is long past the statute of limitations and they are still manipulating it
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX  and XXXX  and Experian keep putting late payments on my XXXX  XXXX account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  and transunion and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2022-07-13
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. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MD)

Ive reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.
Consumer complaint received 2020-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-10-10
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. (AZ)

XXXX  and Transunion are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 XXXX on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment XXXX XXXX XXXX is past due which is not true.
Consumer complaint received 2022-09-22
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. (IL)

I've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXXXXXX. and XXXX. and theirs also XXXX  XXXX  XXXX inquire.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (SC)

I am the victim of identity theft. My wife passed away almost 3 years ago. I went to Suntrust to open a checking and savings account back in early XX/XX/2020. Some of the features that were supposed to be on my account were not. So I contacted the woman that helped me open the account, XXXX XXXX, to help resolve the two issues, overdraft opt-in and bill pay. Ms. XXXX attempted to help solve these two items but when the claimed fixed never worked, she advised me to contact the tech area of Suntrust. I worked with that department for over a week and the last fix was to delete my online profile and create a brand new one. That ended up working. I made a couple of deposits into my account and used the card for purchases with no issues. On XX/XX/2020, XXXX made a fraudulent withdrawal from my account of over {$90.00} and it put my account into a negative situation. When I became aware of this fraud transaction by an email from XXXX, I immediately contacted XXXX  and told them they committed fraud. XXXX said they would refund the money right away, and it would be replaced onto my account in 3 to 5 business days. I then called XXXX XXXX and made her aware of the situation. She told me not to worry, and as long as I got the account back into a positive, all would be ok. 
I was still able to log into my online account and through the mobile app and see the negative balance. I sent Ms. XXXX a copy of the email from XXXX  showing me they would return my monies in 3 to 5 days. The next day, XX/XX/2020, my account was blocked. I attempted to reach XXXX XXXX, left her a message, and then called Suntrust customer service, and asked them why the block on my account. Suntrust explained it was the branch that had placed the block, so I called the branch and spoke with XXXX XXXX. She told me the block came from the back office area, and to call customer service, and she transferred me there. I spoke with customer service and complained that I was being punished by losing access to my account from being a victim of fraud and ID theft. They told me nothing they could do to resolve the issue, and started a claim to get my account released. I explained how proactive I was in getting the release of my monies wrongly and fraudulently taken by XXXX  back into my account. Plus I had been in constant contact for the day my account was in a negative, I got XXXX  to release the money in one business day not 3 or 5. I did everything in my power to get those monies back into my  account. Plus stay in contact with the branch. Nothing more could have been done by myself, in getting my money returned into my account quickly and keeping the branch informed.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NH)

On XX/XX/21 I issued a check to my internet provider, this check never reached them. Instead, or was cashed by someone else. I tried reaching out to my bank at the time, Chime, where they told me they could not do anything since it was a check and not a debit transaction. I also tried reaching out to the bank that cashed it, but they could not or would not discuss anything with me.
Consumer complaint received 2021-01-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (CA)

Veterans Home Loans unlawfully violated my Privacy Act under Federal and State Regulations and invasion of my Privacy. 
In XXXX I filed Federal complaints with CFPB on issues of VA Loan denials because of my Lifetime Disability. During the VA Process I provided my social security and my private information and Veterans United Home Loans saved all my private information on their data. 
In which I told them to delete all my my private information on their data, but it appears Veterans United Home Loans used my private information for VA Loan unauthorize pulled credit on XXXX XXXX as I didn't give no authorization by verbal or online. 

Why Veterans United Home Loans will not provide evidence of my Authorization of consent to pull my credit with XXXX, XXXX  and XXXX? 
If Veterans United Home Loans can not provide evidence of my written hand signature consent as evidence for Federal Government. 
Veterans United should remove and permanently the unauthorize hard inquiry on my XXXX, XXXX and XXXX  immediately. 

This is a Privacy Act violations and ADA Department of Justice as I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2020-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2020 I found a seller named XXXX on Offer Up, I purchased an dining table at {$170.00} from her that she claimed it is BRAND NEW. I specifically asked if its new before I purchase. Table is wrapped in an taped open boxed and unassembled. When I got home from picking up the table, I noticed the corner of the table are worn and one of the legs are falling apart that makes the entire table unsteady, the table will fall apart anytime. I then texted the seller was trying to see if I can return and get my money back and she insist that the table is new. I then told her from the open box & partial wear and tear this is definitely a return product from the store. She has text back since and I believe I was blocked by her. I called my bank, XXXX    XXXX XXXX, to frozen or dispute the XXXX transaction at ( XXXX transfer is how I paid her ) but they told me there is nothing they can do if its a XXXX transaction since I initiated the payment. I know {$170.00} isn't a huge amount but I am unemployed from the pandemic and I needed that money for a dining table that actually works.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax and XXXX and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? 
Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.