davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I purchased a company vehicle on XX/XX/2023. First Citizens Bank is the lienholder. As part of the purchase, First Citizens Bank said that they would register the vehicle & get the tags through their XXXX vendor. 

As of today, my vehicle is still not registered with the XXXX of Georgia. Ive been in constant communication with my First Citizens Bank XXXX XXXX & even contacted the First Citizens Bank XXXX department. In fact, I have an XXXX XXXX containing XXXX emails between my relationship XXXX & me, yet there still is no resolution :/
Consumer complaint received 2023-09-22
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. (LA)

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for personal loans through XXXX XXXXXXXX XXXX XXXX, who work with XXXX, XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX. I was denied these loans due to misinformation reporting on my Transunion credit report, and have no way to get financial support, due to Transunion 's violation of my consumer rights ( Per 15 USC 1681, 15 U.S.C. 1681a ( e ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If I can't get any funding, how am I supposed to live or pay off these cards? This is in direct violation of the Equal Credit Opportunity Act, and I demand loan acceptance or compensation from Transunion.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WI)

Back in XXXX, I called AidVantage twice and emailed them once to get information on how to make weekly or biweekly payments on my student loans instead of the standard monthly payments. Both people I spoke to at AidVantage said it was possible and that they would email me instructions on how to do it. I pushed for them to give me instructions over the phone but neither would provide them verbally. I never received a response either time. The response from my email request was non-sensical and did not answer my question ( see attachment ). The allocation is not what I want to change, but rather the frequency of the payments scheduled. There is no answers in their FAQ page or their XXXX page. When typed into the Help section on the website, it does not give me any information on changing the frequency of payments, only information on overpayments. I simply want to break my monthly payment into weekly payments to save on interest since interest accrues daily with student loans.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed Portfolio Recovery Associates and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MIDFIRST BANK (PA)

I have hard inquires on my credit report, as well as, collections. My account was registered as a victim of identity theft. 

I am a victim of identity theft. However, the hard inquires are on my report and I asked they be removed. They are listed as follows : 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 which was bought out by my mortgage company as a debt which should also be removed. 

I tried having them remove it but they have yet to do so. Any assistance would be greatly appreciated.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : 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
Consumer complaint received 2023-09-07
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (GA)

XXXX Now Part Of XXXX illegally SOLD my debt and information to a third party debt collector on XXXX Which would be I.C. SYSTEM, INC. Both of these Debt Collector Companies REFUSE to RECONNECT my phone services as a Consumer for personal/family use pursuant to 15 USC 1692c , and I am TIRED of repetitively being ABUSED and HARMED from both of these companies for having my services Disconnected Every Since XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1692d XXXX Both Debt Collector Companies have False and Misleading Claims/Representations stating that I owe a DEBT of a POSITIVE BALANCE of {$420.00} pursuant to 15 USC 1692e . This is HIGHLY UNFAIR to me as a consumer and neither one of these debt collector companies have Validated this debt they Falsely Claim I owe, pursuant to 15 USC 1692e AND pursuant to 15 USC 1692f AND pursuant to 15 USC 1692g. I.C. SYSTEM, INC has furnished multiple deceptive forms to me via email which is VERY UNLAWFUL AND ILLEGAL pursuant to 15 USC 1692j ( a ) and 15 USC 1692j ( b ), And ANY person OR Company who violates this section shall be liable to the same extent and manner of a Debt Collector under section 15 USC 1692k! As of Today, XXXX my phone services for Account Number : XXXX STILL Remain ILLEGALLY DISCONNECTED and according to the FDCPA and FEDERAL LAW 15 USC 1692k CIVIL LIABILITY Specifically States, that is backed by Congress to protect Consumers, AND it is {$1000.00} PER VIOLATION AND DAMAGE to the Consumer. My phone services need to be RECONNECTED ASAP, IMMEDIATELY!!!!
Consumer complaint received 2023-09-07
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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 


XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXXInquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  XXXX  # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TX)

SPRINGS OAKS CAPITAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years chase, as well as Bank of America. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : Comenity Bank / XXXX Date opened XX/XX/.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (TX)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2023-04-04
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$86.00} ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-22
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. (PA)

On several occasions, as far back as XX/XX/2022, I asked Transunion to investigate the inaccurate payment history for the account listed on my Transunion Credit Report, XXXX # XXXX. 

The original creditor also asked Transunion to update my report on XX/XX/2022, sending them a letter specifically requesting that they ( 1 ) correct the payment history and ( 2 ) Remove Date of First Delinquency because there is none. ( Letter attached ). 

Transunion failed to conduct a proper investigation and did not update my report. Out of the 3 credit reporting agencies, Transunion continues to maintain inaccurate information on this account, without providing any proof. 
Pursuant to FCRA 611 ( 15 U.S.C. 1681I ), in cases of disputed inaccuracy, this item must be deleted from my credit report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (VA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Ingo Money, Inc. (TN)

Someone keeps taking from me and locking me out my accounts I never had any loan I can not get a bank account and I know that it's not because I owe anyone cause I do not my credit report reflects that I have 100 % payment history and I can't get a bank account and XXXX has stolen thousands from me along with other people. My name is XXXX XXXX XXXX XXXX XXXX and I'm very sad upon reading into the federal reserve that my name is all over it. Ingo XXXX and XXXX  and every single bank in my town deny my access to just make a account I'm being directly denied rights that anyone has and I'm in college and I am working too change the community for the better and I can't even use a bank account in the United States I have nothing now XXXX made sure of it and I have spent a life with out but upon reading my name so many times transparency maybe a better solution. Please help me get this fixed I'm trying so hard to explain my self and I'm not sure if you could understand what I'm saying but I owe no one and I'm being unfairly denied basic things and I don't know why this has put me in danger many times it's left me homeless and starving because someone empties my prepaid accounts out as fast as I can add money.
Consumer complaint received 2023-09-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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