davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (GA)

I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit report that requires immediate attention and resolution. Upon reviewing my credit report, I have discovered a collection account listed under the name of XXXX XXXX XXXX XXXX, with the original creditor being XXXX XXXX XXXX, in the amount of {$21000.00}. I must assert that I am not responsible for this debt. I would like to emphasize that this collection account is a direct result of identity theft, as duly documented in the attached police report. This incident has caused substantial distress and inconvenience in my financial affairs. As per my previous communication with your company, this serves as my second notice regarding the matter. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained in credit reports. As a responsible consumer, I am fully aware of my rights and responsibilities in ensuring the accuracy and integrity of my credit history. In light of the aforementioned information, I kindly request that Experian undertakes the following actions promptly : 1. Conduct a thorough investigation into the validity of the aforementioned collection account, considering the documented evidence of identity theft enclosed with this letter. 2. Temporarily remove the disputed collection account from my credit report during the investigation period, in compliance with the FCRA guidelines. 3. Provide me with written updates on the progress and outcome of the investigation within the legally mandated time frame of 30 days. 4. Correct any inaccuracies found on my credit report resulting from this erroneous collection account, once the investigation concludes in my favor. I firmly believe that the FCRA requires Experian to act diligently in investigating and resolving this dispute. I trust that your organization will handle this matter with the utmost professionalism and adhere to the regulations set forth by the FCRA. Please acknowledge the receipt of this letter within 15 days of its delivery. I appreciate your prompt attention to this issue and look forward to a swift resolution. Should you require any further documentation or information, please do not hesitate to contact me at the provided contact details. Ive attached the identity theft police report for your documentation purpose. Thank you for your immediate attention to this matter.
Consumer complaint received 2018-12-13
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. (MO)

This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Saturday XX/XX/XXXX I deposited a check. I was told by the teller that my check should be available the following Monday, or Tuesday XX/XX/XXXX, or XXXX XXXX. I later received an email from the bank saying that they were placing a hold on the check for about 2 weeks. this is the second time 1 month that they have done this without forewarning as a way to circumvent the process and law of regulation CC, holding my my money without letting me know beforehand, Reg CC which gives about XXXX business days to hold. They took my check sent it off and placed a hold through the back office and then tell me that I can not get it back because it has gone off to somewhere that can not be retrieved. This is an abuse of power and causing unnecessary financial hardship, as I can not pay bills on time due to the illegal and excessively long holds.
Consumer complaint received 2023-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (FL)

In XXXX of this year we paid a vehicle off, our XXXX  XXXX XXXX XXXX. PNC BANK is who the financing was through. 

There were 4 years of XXXX monthly payments to PNC bank, that were never late. Not one piece of this loan or payments were ever reported to any of the credit bureaus. We found this out when we tried getting a new truck loan and was told we didn't have any credit established ( this was through my business tax ID number ). We are now paying a much higher interest rate for a business vehicle loan due to this issue. I started with calls to my banks XXXX numbers and calls to the local branch. Finally one of the branch managers from a local branch escalated my issue to a retail service representative. This person called me once, I returned his call, and we spoke about my issue. He said he could see the issue and all of the communication I have had with the bank about the issue. He was to call me back 4 weeks ago now almost. I have made multiple calls to him, leaving messages each time, and he has not returned my calls. I've exhausted every effort to get someone at PNC to handle this problem and correct it and have resulted to this.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (MI)

I have been a victim of identiy theft filed a police report and sent it to companies reporting information. Credit Bureau stated the fraudlent information was verified by creditor. But could not provide proof of verification any documentation. I need this account deleted it not my account.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

On XX/XX/2023 I received an email from XXXX XXXX saying I had an outstanding bill of {$89.00}. However, when I logged in their customer portal to view my account and multiple policies there was nothing due. I did not click on the link in the email due to phishing concerns. 

I received a 2nd email on XX/XX/XXXX and once again could not find a bill due in the customer portal. I also did not receive a voicemail or mailed statement. Recently I found this had been reported on my credit report as a late payment. I immediately call XXXX XXXX and determined the following : - they did turn it over to a credit agency- they mailed statements to an address of over 3 years ago, when they have all my correct and current addresses ( I have multiple houses and policies with them ). 
- The issue occurred because I sold my 2nd home in AL and transferred my auto insurance back to GA. When they canceled the AL policy there was a balance due, which they did not mention on the phone call otherwise I I would hav paid it immediately. 
- XXXX XXXX has all my credit card information on file so I don't know why they didn't charge it then. 
- When I spoke to the agent, she explained the bill NEVER showed up in their billing portal, because once a policy is cancelled it no longer shows up there! Not sure how that is my fault... immediately paid the {$89.00} on the call using my credit card they have on file. 
-It also turns out she found another small bill hanging out there in " no man 's land '' related to the home owner policy. I had received no notices about that and it was about to go to collections. 
- I spend over {$10000.00} a year with XXXX XXXX and they now claim there is nothing they can to do remove this from my credit report.
Consumer complaint received 2018-12-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I am currently in a rate reduction plan. It expires every 6 months and I am forced to find out lengthy paperwork to renew it. Meanwhile, accrued interest is added to the loan and the rate skyrockets to almost 16 %. There do not appear to be any options available to me to get out from under the loan. I am afraid to prepay or pay off some of the smaller loans because I have heard that you will get denied from the reduction plans in the future and I can't afford the payments at a 16 % interest rate. 

Please help
Consumer complaint received 2024-11-12
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account number : XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XX/XX/XXXXThis account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX
Consumer complaint received 2023-07-09
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. (FL)

TransUnion has my name as XXXX XXXX XXXX XXXX. 

I have repeatedly disputed them in regards to my name, I am not a XXXX. I've sent them copies of my birth certificate, driver 's license and they still refuse to correct or on my credit report.
Consumer complaint received 2023-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (MO)

My name is XXXX XXXX XXXX and I am a federally protected consumer, and I am making this complaint against Wakefield and Associates, for committing identity theft. I have never given Wakefield and Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Wakefield and Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield and Associates any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Wakefield and Associates, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield and Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this alleged debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield and Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield and Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield and Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-07-09
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (WA)

On XX/XX/18 I called NetSpend activation line provided on a newly purchased ( $ XXXXusd ) prepaid card. I was informed that I needed to verify my identity and proof of address by emailing a pics of a state issued ID card, social security card, and proof of my physical address of which they sent a list of approved items that they would accept. The first time I responded with pics they accepted all but proof of address saying that the letter was still in its original windowed enveloped and wasn't acceptable that way and that thy need to see the full with all four corners to verify its authenticity. So I did. The excuses I have received since then are as follows. 
1. address was out of focus.

2. item wasn't on the approved list ( even though it was ).

3. reference number wasn't correct.

4. faxed approved item wasn't original but a reproduction.

5. faxed item was out of focus. 
To date I have emailed 3 different approved each one at least twice an have faxed to different items both twice and they themselves have mailed me a personalized credit card to my physical addressed which I have tried to activate yet still they refuse to activate so I can access the {$30.00} I put on the card over a month ago.
Consumer complaint received 2018-11-25
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. (NH)

I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.
Consumer complaint received 2018-11-25
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: SYNCHRONY FINANCIAL (IN)

This morning ( XX/XX/2018 ) I was notified by XXXX XXXX that there was a hard inquiry on my XXXX credit report from PayPal ( shows up as SYNCB/PPC ). I did not apply for credit through PayPal or authorize any kind of credit check from them. I tried calling PayPal, but they have no record of an a credit account so they couldn't help me. I want this hard inquiry taken off of my report because I didn't authorize them to check my credit for anything and it's negatively affecting my credit score.