davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2018-09-10
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: Westlake Services, LLC (PA)

My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (PA)

My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. Experian responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Consumer complaint received 2018-09-10
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. (OK)

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (CA)

In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
Consumer complaint received 2018-09-10
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. (CA)

On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Constar Financial Services, LLC (LA)

I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. 

All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.
Consumer complaint received 2018-09-10
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. (MD)

I sent out 4 different letters dating back as far XX/XX/XXXX to Transunion, XXXX and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to Transunion, XXXX and XXXX  to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Transunion has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can Transunion, XXXX  and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( Transunion ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Consumer complaint received 2018-09-10
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: JPMORGAN CHASE & CO. (GA)

RE : Social Security Number : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by your company XXXX XXXX, XXXX. There were a total of ( 21 ) Inquiries made on my XXXX CREDIT REPORT, and a total of ( 17 ) Inquiries made on my XXXX  CREDIT REPORT. Which brings a combined total of ( 38 ) Inquiries ranging, from XX/XX/XXXX to XX/XX/XXXX. Which only 18 seems to be accounted for, since the others were deleted, by XXXX off of my Credit Report. The dates of these unauthorized HARD INQUIRIES are as follow : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

As you know, these were hard Inquiries. Due to your companys lack of security measures, this has caused major injuries to my CREDIT FILE, and CREDIT SCORE.  Not to mention, there was and still is a 7 year Victim Fraud Alert placed on my credit reports. 

I did not authorize anyone employed by your company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) and a serious breach of my privacy rights. 

I was formally requesting {$250.00} for each unauthorized inquiry that was made, on my credit file, that caused major injuries to my credit report and credit score. However, I am now asking for {$500.00} for each unauthorized inquiry that was made on my credit report. Also, that these fraudulent inquiries be immediately deleted from my credit report. I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with your company for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should your company not comply. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company, seeking {$1000.00} per violation, under the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please note that you have 30 days to complete this request and payment to me, as per the Fair Credit Reporting Act section 604 ( A ) ( 3 ).

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of XXXX XXXX has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2018-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC (VA)

XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...
Consumer complaint received 2018-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MI)

Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?
Consumer complaint received 2018-03-10
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. (PA)

My name is XXXX XXXX and I have inquiries on my Equifax report that do not belong to me. I have called the company and sent letters. I have only received letters in the mail explaining what an inquiry is. I have also called the individual companies and they said they would contact the bureaus to have them removed. 

Below is a list of inquiries that aren't mine and I didn't authorize XXXX -- I don't have an XXXX account. I did not authorize this inquiry. 
XXXX I don't have a XXXX account. I did not authorize this inquiry. 

XXXX -- I have no idea what XXXX is. I did not authorize this inquiry. This inquiry appears on my report twice. 

XXXX XXXX -- I did not authorize this inquiry. I don't have any business with XXXX. 

XXXX XXXX XXXX -- I don't know what this is. I don't have nor am I looking for a mortgage. I did not authorize this inquiry. 

XXXX -- I did not authorize this inquiry XXXX XXXX -- I did not authorize this inquiry. I don't have any business with this company
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (FL)

After viewing my credit report, my son made a payment to take care of my medical debt that went into collections mid last year XXXX. 

There were 2 collection companies : Choice Recovery and XXXX XXXX. 

Payment made XXXX/XXXX/XXXX for {$57.00} then the remaining balance XXXX/XXXX/XXXX for {$53.00} to Choice Recovery. 
and One time pyment made XXXX/XXXX/XXXX for {$56.00} to XXXX XXXX XXXX XXXX. 

Viewing my credit report, XXXX XXXX still has my account with an open balance when it 's been paid in full XXXX/XXXX/XXXX. ( Opened XXXX/XXXX/XXXX and Reported XXXX/XXXX/XXXX ). 

Choice recovery should be removed/deleted please ... as agreed upon prior to payment was made XXXX/XXXX/XXXX. This was a 3-way phone call, since my son was making the payment over the recorded conversation via telephone. 

I am viewing my son 's bank statements as of XXXX XXXX, XXXX and my credit report as of XXXX XXXX, XXXX. 

Thank you.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX. 

There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available. 

The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Today, I contacted bank of america " B/A '' via phone around XXXX XXXX about a {$10.00} over the limit withdrawal fee deducted onto my savings account on XXXX. I requested to be refunded the whole amount. After over 60 minutes discussion over the phone [ 30 minutes or more waited for the customer service " CR '' person to respond and look into request ], I was denied a {$10.00} refund to my personal savings account by the CR and the CR 's supervisor. In summary, I informed CR supervisor that the bank statement renewal was over 30 days late [ i.e. 34 days, should have renewed on or about XX/XX/XXXX], and that it is B/A fault, not mine. I informed the CR that B/A engages in unfair business practices, deceptive, and fraudulent ; and third party government complaints will be initiated to about two to three government agencies that will investigate into this. I informed B/A that other consumers/customers could be affected by these deceptive and fraudulent business practices, and that B/A is gaining revenue profit from this scheme. I informed the CR that B/A intentionally fails to inform the consumer/customer the amount of transfers taken during the activity of the account compared to informing the consumer/customer after five to six transfers have taken place during the 30 days of bank activity before the B/A statement renews [ i.e. 30 days ].
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (AZ)

I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a copy of my credit report and noticed an unrecognized account from XXXX XXXX. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. XXXX XXXX has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that XXXX XXXX knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!