davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised.

Please block and delete the following accounts from my credit report : Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. US DEPT ED Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services (OH)

the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

I applied for a new credit card ( XXXX Credit card ) with BBVA Compass bank few days ago and I received and activated it on XX/XX/XXXX. I registered the new card online so I can fully manage it myself. I had a credit account with this bank long ago which I stopped using since XX/XX/XXXXand was fully paid. I never used that old card and I never receive any new card. While online, I was surprised there were 4 accounts in my name and one of them has a balance of {$1500.00} ( CRC # XXXX ). I called their contact number on XX/XX/XXXX and spoke with a representative who told me to ignore it. According to the representative, the other cards showing were replacement cards. But I never received them, therefore never activated nor used them. He is quite arrogant when I insisted that I never had this card. ( But I printed all what I saw in my monitor ). I decided to cut the conversation and later called again. Next time I called on same date ( XX/XX/XXXX ), I spoke with a lady rep who said the same to ignore it. She told me it 's just nothing. I told her that if it was nothing, why is it generating current statements and even had balance. I printed the latest statement that I saw ( period XX/XX/XXXX-XX/XX/XXXX ). I  told the representative to close the new account I just opened because to me, there is something wrong in their system. I asked the lady to close all account in my name because I believe there is something wrong here. 

Today ( XX/XX/XXXX ), I went online to check if the account were closed but they are still there. And thus I need help in this case. 

I demand that all the accounts that appears in my name be closed and information be taken off their system.
Consumer complaint received 2017-10-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (PA)

On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher
Consumer complaint received 2017-10-09
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. (MA)

WHAT ARE YOU GOING TO DO WITH MY FINANCIAL LIFE POSSIBLY BEEN DESTROYED AND MY ALL INFO BEEN UP FOR BAD GUYS GRAB TILL THE END OF MY LIFE AND FOREVER EVER??????????????????? 
I GAVE NO CONTENT TO KEEP MY PRIVATE INFO AND USE IT WITHOUT MY EXPLICIT CONTENT! 
CLOSE ALL CREDIT SCAMMING OUTFITS - THE INFO THEY HAVE IS MY PRIVATE INFO - I DO NOT WANT IT TO BE KEPT IN ONE PLACE " GUARDED : BY XXXX  MUSIC MAJORS
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX, XXXX, AND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written 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 XXXXXXXX Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. dated XXXX XXXX, XXXX in my personal mailbox on the evening of XXXX XXXX, XXXX. The letter stated that they are a debt collector and are trying to collect a debt from me. I immediately called the business the next day, XXXX XXXX, XXXX, while I was at work and asked what the debt was about and how they came up with the amount owed. To my knowledge, the debt they are attempting to collect on was charged off from the original creditor and sold to another company, not XXXX XXXX XXXX and XXXX, XXXX. I spoke to a customer service representative who identified herself as XXXX on the phone and told her I was willing to work out a payment plan to pay off the debt if was truly verified as mine. I explained that I only have XXXX income and could not afford more than {$20.00} per month as a payment, which is a major reason this debt was originally charged off and sent to collections. XXXX said that XXXX XXXX XXXX XXXX XXXX, XXXX. would not accept less than a payment of {$91.00} per month, to which I replied that this amount was not feasible on my income. I asked what would happen to me if I only made small payments and not the {$91.00} payment that I had no way of making and XXXX told me that her company could sue me and garnish my wages. I reported XXXX XXXX XXXX XXXX XXXX, XXXX. to the XXXX XXXX XXXX and Michigan Attorney General 's office in an attempt to protect myself from have legal action pursued against me as I am genuinely attempting to work with this business and pay this debt. I feel that XXXX XXXX XXXX XXXX XXXX, XXXX. does not care that I am willing to make payment arrangements with them, that I have XXXX income and I 'm living in poverty or that I am making an honest effort to repay my debt. They have poor business practices and to threaten legal action right away is very threatening and unacceptable.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (FL)

Subject : Urgent : Fraudulent Loan Dispute ( Account Number : XXXX ) Dear ED Financial Services Team, I hope this message finds you well. I am writing to formally dispute a student loan that has been fraudulently opened in my name under account number XXXX. I have no affiliation with this loan, nor have I authorized its creation. The loan was opened criminally using my identity. 
Here are the pertinent details : Loan Account Number : XXXX Date of Loan Creation : XX/XX/year> Police Report Filed : XXXX XXXX XXXX Florida Police Department Case Number : XXXX FTC Identity Theft Reports : Enclosed, one for ED Financial Services and one for the collection company, XXXX XXXX XXXX XXXX 
I have filed a police report regarding this identity theft and included copies of the Federal Trade Commission identity theft reports for your reference. Please cease all attempts at collection on this account and remove it from my credit report immediately. 
I also request that you : 1. Investigate the origin of this loan.

2. Provide a written statement confirming that the loan will be closed and removed from my credit report.

3. Communicate with the relevant credit bureaus to ensure the removal of this fraudulent account from their records. 
Please confirm receipt of this email and inform me of any further steps needed from my side. I appreciate your prompt attention to this serious matter. 
Thank you for your assistance.Please feel free to contact me XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX
Consumer complaint received 2017-10-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: LOAN TO LEARN (WA)

As a young kid out of school in my first job I decided to take a loan out for an XXXX program I was accepted to. The amount of the original debt was {$5000.00} from LoantoLearn.com  operated by Educap, Inc back in 2005. Everything was fine until I ran into financial troubles from not having a job. I could n't keep up with the payments and have n't been current. After landing a job again and trying to get back into financial shape I reached out to settle my debt but Educap , Inc. was very predatory about it. They wanted 2X the loan amount even after several payments which reduced the actual amount. I felt it was unfair and agreed to the principal amount to make them whole and they disagreed. They then attempted to sue me twice in a state which I do not live ( Florida ) and continually degrade by credit rating every month. I have tried to reach out to settle the debt but never get a response. This company has no heart, no want or desire to fuel educational growth but to feed off people 's hard earned money to advance their greedy interests. Very shameful.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-10-09
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. (SC)

I have sent over XXXX letters to XXXX and XXXX requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Kansas, Inc. (MO)

My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this way?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I tried to apply for a credit card at my XXXX XXXX on XX/XX/2024 and I was declined despite having my Checking and XXXX savings accounts totaling over {$48000.00} with no payment issues. I can't identify what's on my XXXX credit reports that is not allowing me to get approved for a credit card, on XX/XX/2024 I tried getting a Credit Card from XXXX XXXX  XXXX and was also declined. Their rejection letter referred to Bankruptcy information that is not valid. I believe someone has stolen my Social Security number and personal information. I have received alerts regarding my XXXX and Personal Info found in the XXXX!
Consumer complaint received 2017-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (NJ)

XXXX XXXX, XXXX Rt XXXX XXXX XXXX Shade NJ XXXX, used my credit info/ss # to obtain a {$29000.00} loan from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. A XXXX Banking XXXX, XXXX, GA. I never agreed to any type of loan or did I agree to any contract with XXXX XXXX ( XXXX ) to install solar panels at my shop. I talked to a salesman from XXXX, and agreed to allow them to give me a quote on the project. They sent out a roofer to look at my roof, who claimed they needed to remove and replace new roof. The following day I received a bill from GreenSky ( GS ) with a interest only amount due of {$29.00}. I had never even heard of GS. I contacted XXXX, and told the I was no longer interested in having solar panels installed at my shop. I then received another bill from GS, with {$58.00} due a a {$39.00} late charge. After reviewing the bill it notice XXXX took a {$5900.00} draw from my loan of {$29000.00}. I never agreed to this installment, or did XXXX do any type of work at my shop. I contacted GS, who dispute what i told them said the need to look into my contract. XXXX than sent me a bill for {$790.00}. Claiming I owed them {$640.00} for bank fees paid on deposit. XXXX {$150.00}, for having a roof look at my roof. Assuming I 'm going to pay them money in advance to a signed contract for bidding on a job. They also did not return any phone calls fro GS, regarding the {$6000.00} dollars the received from loan. After spending countless hours on the phone with GS, they decided that I owned XXXX, {$150.00} in fees to XXXX, for work done. XXXX {$150.00} so a roofer could bid on my roof. GS gave me the impression that they had some type of ownership in XXXX XXXX. All along my credit report is showing I have an outstanding loan for almost {$30000.00} dollars. I was also in the progress of buying a new SUV for my shop. I believe GS outstanding loan hurt my credit report thus causing me to pay additional interest on the vehicle.