davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
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. (TX)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.
Consumer complaint received 2018-07-12
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. (NC)

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXXXXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXXXXXX XXXX on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

in XX/XX/XXXX I cancelled my XXXX XXXX subscription because their products never worked, they refused to allow me out of the contract without making me pay the earlier termination fee. I paid my final bill and the early termination fee. i returned all the devices they had sent to me. They mistakenly kept my account active even after i paid my " final bill '' ( their words to me as i made the payment ) and told me that the account remained active after all because we used the " hopper '' receiver to re-order service. So they wound up sending another bill for another months service, i called them and raised XXXX and told them I've already paid and asked why did I pay a cancellation fee if they hadn't canceled it? they agreed that they shouldn't have kept he account active and confirmed they would reverse the charges. I never heard back from them or received another bill after this was all finally resolved this XXXX ... Now all of a sudden in XX/XX/XXXX i see they have sent me to a collection agency and are damaging my credit rating.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On the night of XX/XX/2018 my husband 's wallet was stolen ( pickpocketed ) while on a visit to XXXX. When we realized this happened the next morning, we immediately called Chase ( along with the other CC companies ) and logged into our account to see {$1000.00} had been withdrawn at an ATM, and XXXX XXXX purchases totaling over {$2600.00} had been made between the hours of XXXX and XXXX on XX/XX/18. We then went to the police station and filed a police report ( XXXX PD case number XXXX ). 

Initially, Chase gave us a temporary credit to cover the costs but last week determined that they would not cover the claim and reversed the credits back out of our account. Even worse, they froze our savings account so we couldn't transfer money out to cover the overdrafts until we called and BEGGED them to unfreeze it for a few minutes. 

Their reason for the claim denial was that a PIN was used to make the purchases. We believe ( as did the sergeant who filed our police report ) that my husband was followed and targeted - watching him enter his PIN at a XXXX OR this was an inside job. 

Chase was negligent on several security measures : 1 - ATM Daily Limits. The thief was able to take out over {$1000.00} in ATM withdrawals, exceeding the daily limits on the account. 
2 - Access to linked accounts. The thief was able to re-point my husband 's Visa debit card to my checking account ( where there was more money ) and spend against it. 
3 - 11 unusual transactions were made in the middle of the night ( XXXX ) in a town we have never visited and at every one of them they took {$100.00} in cash back. Their fraud detection systems never caught them. And the cashier at XXXX was likely in on it - 9 of those transactions were at the same store in XXXX, IL. 

Last week, we received a tattered envelope with his water-soaked wallet with his license and insurance cards. The note said the wallet had been found on a street corner in downtown XXXX. Credit cards and cash were missing, of course. They took what they wanted and dumped the rest. 

Having been a customer with Chase for many years ( close to 20 ), we are so frustrated with this situation. Chase has refused to research the ATM or XXXX purchases and claims no responsibility in protecting us.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE EQUIFAX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Harley Davidson Financial Services Inc (MS)

I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks
Consumer complaint received 2024-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally dispute several inaccuracies I have identified on my credit report. Upon thorough review, I found accounts listed that I do not recognize or believe to be accurate.
Consumer complaint received 2024-07-16
Product: Credit reporting 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. (MI)

It is very alarming that these companies have been able to pull up my credit report without my consent nor authorization, my very rights as a consumer is being violated just like that, it is extremely frustrating.
Consumer complaint received 2024-11-18
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. (MO)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (TX)

I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin.,  they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-11-18
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. (NM)

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 2024-11-19
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. (KS)

I am writing to inform you that I have been a victim of identity theft resulting from a data breach. 
As a result, several unauthorized accounts and inquiries have been reported on my credit file. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-18
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. (MD)

More then 10 years ago my name and social Security number with part of a major security credit breach with ( XXXX ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( XXXX ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my new account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] TransUnion Dispute Department [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute Regarding Inaccuracies in My Credit Report XXXX  XXXX Account To Whom It May Concern, I am formally requesting an investigation into inaccuracies reported on my XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ), the Truth in Lending Act ( TILA ), and the CARES Act, creditors are required to report accurate information and correct any errors.

In the report provided by TransUnion, I have identified the following errors : 1. Incomplete payment history : TransUnion does not report any payment history for this account, which is inconsistent with the other bureaus.

2. Missing key details : Dates such as the last activity, closure date, and reporting date are either missing or incomplete.

3. Days past due not reflected : TransUnion does not report the late payment days accurately, while XXXX and XXXX include these details. 

These inaccuracies negatively affect my credit history and violate the FCRA, TILA, and CARES Act, particularly if COVID-19 relief measures were not properly reflected on this account. 

I request that TransUnion initiate an immediate investigation and work with XXXX XXXX to correct this information. Please send me a detailed update on the outcome within the legally allowed timeframe. 

I look forward to a prompt resolution Sincerely, [ XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (MD)

AR Resources Inc is attempting to collect a debt which has already been paid. The original creditor,  XXXX XXXX, accepted payment of XXXX XX/XX/16 from my insurance provider. The account was previously listed on my XXXX  credit file as a collection under XXXX  XXXX XXXX XXXX, whom I paid {$120.00} ( amount XXXX deemed liable ) in XX/XX/2016. The collection was subsequently removed from my credit file in or around XX/XX/2016. 

The same charge is now appearing on my credit report, under a different collection agency despite the fact the original creditor was paid and notified to contact my insurance provider for any additional funds or information. In short, the creditor has already been paid and is attempting to get paid again. 

I also want to note that AR Resources is still listed as a collection on my XXXX credit report, despite the fact XXXX  removed it after completing the investigation referenced above.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Consumer complaint received 2018-07-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (MA)

I have been contacted repeatedly by phone and by mail by XXXX XXXX XXXX, who say they represent Honda. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from Honda for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with Honda anymore.
Consumer complaint received 2019-05-15
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. (TN)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-07-11
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: Experian Information Solutions Inc. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.