davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00}
Consumer complaint received 2022-07-16
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. (MO)

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (AZ)

I am getting repeated calls and voice messages from debt collectors. I have no outstanding derogatory debts or accounts that would cause this. I am being incorrectly targeted. I have answered the calls and told them they have the wrong number but they keep calling me.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have been calling for weeks to report my credit card lost and can not get in touch with anyone. I see theres a balance higher than I should have. I also can not make a payment online or over the phone and I dont want to get charged fees or interest for not paying my card when the company does not allow me to
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act. Also it's dated XX/XX/XXXX with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc. (CA)

We purchased Tesla model XXXX XXXX XXXX XXXX We paid XXXX XXXX down, traded one car and took a loan of {$45000.00}. The contract was between me, my wife and Tesla motors Inc. The contract specifies terms of loan and when the payment starts. It does not mention any 3rd party that will service this loan. Till date there is no communication from Tesla that our auto loan will be serviced by 3rd party and who is that 3rd party. Since we paid 50 % down Tesla had my bank information and we were told that we will have auto pay for the loan. 

Last week when checking my XXXX XXXX I realized that around XX/XX/XXXX my score is severely impacted. I could not find any details, so I logged into XXXX and found that XXXX XXXX XXXX has put charges on me as I was 90day past due on auto loan. Then I searched for communication from XXXX XXXX and found an email from them in spam around XX/XX/XXXX saying that they will service our auto loan. It could have been any other bank and we would not know as Tesla did not tell us who will service the loan. We get tens of promotional emails from XXXX XXXX every month and it goes in spam. My wife also did not receive any email from Tesla motors on 3rd party loan service or from XXXX XXXX that our loan was going delinquent. 

I called XXXX XXXX on XX/XX/XXXX and they told me that my loan contract is cancelled in XX/XX/XXXX when we were 90 day late and I have to pay the full loan amount of {$45000.00} + pay off amounts. Then I checked my email around XXXX XXXX to check whether XXXX XXXX sent me any delinquency notice before cancelling my loan. There was no email from XXXX XXXX during that period. They have not send me any email since then. 

Similarly Tesla has not communicated till date that XXXX XXXX will service our loan. 
How do we know that XXXX XXXX is legitimate. If I pay them {$45000.00}, and tomorrow some other bank comes and say that I owe them money then what will I do. 

This is gross communication negligence that has impacted my credit score and will impact me financially. Paying the loan was not an issue, but we need clear communication from Tesla as to who will service the loan so that we can keep an eye for it.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), XXXX XXXX is aware during the 2019 data breach ( announced XX/XX/2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX XXXX, and XXXX  XXXX shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX  XXXX shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my Equifax Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney General, XXXX XXXX as well. With XXXX, XXXX XXXX XXXX, Consumer.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2023-08-16
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Service Bureau, Inc. (KS)

Several medical bills are on my credit still and they are from 20 years to current but I had insurance or either filed the financial affidavit. when i went to fix my credit the companies say i can not because the files are too old. I have documentation that i was under the care of XXXX  or some type of medicaid. billing did this wrongfully and i demand a remedy and recourse speedily. my credit has been in despair because of these derogotory accounts that literally should not be. I have suffered immensely and demand favor in this matter. 
XXXX XXXX Midwest service bureau for XXXX XXXX says I owe {$110.00} from XXXX This is either not me or they literally mis billed the info without checking my insurance. 
Also XXXX XXXX XXXX has caused much grief as well. they say i owe {$20.00} so i paid them but this account is from XXXX and they sent payment back to me and took me to small claims court without my knowledge, the XXXX XXXX sheriff got me pulled over at XXXX in a XXXX now i am about to go to court about this but found my records stating that they needed me in person to state the claim of the original debt from the {$20.00} to andover municipal. this is systematic terrorism at its finest.
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Today ( XX/XX/22 ) I applied for the Paypal XXXX Mastercard. After successfully submitting the application I received a notification that my credit was frozen and they were unable to pull my XXXX report ; however with 1 minute I received an alert that my credit was pulled. I tried to contact Paypal XXXX Synchcrony yet no one could help me.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I noticed that the following is against my credit XXXX XXXX XXXX XXXX Open account ( XX/XX/2019 ) I have an account with the company however the account that I am responsible for is in good standing, I have disputed this account above at least twice because I have absolutely no knowledge of this account and did not open such account, at one time I did have a problem with someone who used my identity and was able to get in my bank account and used money out of my account a few times, fortunately the bank caught this and froze my debit card for me and it was resolved quickly. I don't know if maybe the same person might have used my information however I do know that I did not, I don't know what eles to do about this being against my credit.
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I sent a notice of debt validation ( as per 15 USC 1692g ) to PenFed Credit Union received by them XX/XX/2022. PenFed sent a response but did not fulfill the validation request and are threatening to post inaccurate and unverified information to the credit reporting agencies. They have repeatedly violated multiple consumer protection laws against my account and have collected unearned interest that I require to be returned to me along with restitution for violations committed.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was checking my Bank of America checking account and noticed a ACH or electric check pending withdrawal for {$2400.00} on my account that any authorized user or my self did not make. I immediately called Bank Of America to let them know that this was a fraudulent transaction and was told that nothing could be done at the moment and I had to wait for the withdrawal to go through in order for me to do anything. I was also told that I should call the company that was withdrawing the money and to try to resolve the issue. I did what they told me and called XXXX Utah XXXX XXXX XXXX and told them what was going on and they said that their were going to put a hold on the money that was withdrawn so that the funds could be returned to me. Once the withdrawal posted on my account, I called Bank Of America again to complete the fraud claim. The funds were returned to me on XX/XX/XXXX and I had to block my account and open another one. I thought that was the end of this but then I received a letter from Bank Of America that after they conducted the investigation that they decided that the funds were going to be withdrawn again because they belive that it was a transaction that I made. They were not able to take the money from the original account and withdraw the money from the new account. I still don't even know what was purchased with those funds all I know is that I didn't authorized the transaction. I hope you can help me with this or gide me on what to do next.