davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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 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 asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.
Consumer complaint received 2022-08-16
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. (CA)

This is XXXX XXXX and I am submitting this complaint oday to request that the inquiries still reporting on my Credit Report must be deleted under the FCRA section 605b. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I need the follwoing inquiries removed as soon as possible : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-06-20
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc (SC)

XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 


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.
Consumer complaint received 2024-09-26
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
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. (OH)

There is an account on my Equifax credit report that I have disputed several times, and they will not remove. The other two credit bureaus have removed this account with the evidence that I have provided. The amount is from XXXX and is for {$220.00}. There is actually another XXXX account on my report for {$280.00}. However, when I log into their app and when I call them on the phone, they tell me that I owe a completely different amount than either one the credit reports show. I have tried to contact XXXX via phone and email where I requested the status and where this dollar amount came from. The accounts are different across all three credit bureaus and no one can seem to give me an answer. Attached is the email that I sent to XXXX and the amount owed stated by their app.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2022-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PMGI, LLC (CA)

A collection company PMGI Financial Inc ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

PMGI Financial Inc do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.
Consumer complaint received 2022-08-16
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. (MO)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-10-29
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: TRUIST FINANCIAL CORPORATION (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-08-16
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. (MO)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
Consumer complaint received 2022-06-21
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. (NJ)

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Consumer complaint received 2022-08-16
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-21
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. (NJ)

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!
Consumer complaint received 2024-09-26
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. (NY)

I have several inquiries on my credit report that are not recognizable and it may be due to the fact that there was a data breach that violated my consumer rights and protection under 15 U.S.C subsection 6801 - Protection of nonpublic personal information.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

Between XX/XX/XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXXXXXX, which involved me making deposits for a total amount of XXXX XXXX  from my XXXX XXXX  account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2022-08-16
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. (CA)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2016-12-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (OH)

VW CREDIT INC ( Volkswagen Credit Inc ) includes a " 60-day late '' on all three of my credit reports. This " 60 day late '' happened on XX/XX/2012 and XX/XX/2012. However, I never owned, leased or financed a Volkswagen for myself or anyone in my household or family, and never paid or sent any checks/wires/payments. I have previously disputed this " 60 day late '' with all 3 credit agencies, who have duly noted that I dispute it and disagree with VW Credit Inc. I have also disputed this directly with VW Credit Inc. Unfortunately, they refuse to remove it or conduct a serious investigation.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I wrote to the agency requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.
Consumer complaint received 2022-06-21
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: WELLS FARGO & COMPANY (TX)

My Social Security number has been used to get credit cards and they do not belong to me. my idenity was stolen and I can't seem to get anyone at XXXX or XXXX to remove the accounts. XXXX has removed the accounts, however the other 2 have not. They keep relling me that they are mine inwhich they are not. Plus I have an FTC report attached to my account.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (LA)

ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. 
I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. 

I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?