davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
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. (IL)

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$930.00}, XXXX XXXX XXXX balance {$510.00}, onemain balance {$1800.00}.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ASTORIA BANK (NY)

On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.
Consumer complaint received 2024-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

Supposedly I had a loan for a car that was repo. After car was repo original creditor sold vehicle and debit was settled. Few years later my in laws were harassed by a someone trying to serve me docs to notify me that i was being sued and that person would tell my in laws that everything that they had would be theirs. I then went to court where Crown Asset Management , Llc Assignee Of XXXX XXXX XXXX XXXX stated i received a check of xx amount and owed around XXXX dollars. The judge on my case did not give me time to explain or see proof of the allegations of a check. she then sided w them and a process server has frozen my bank account and threatened to take all i have which is nothing.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I have leased a  XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of   XXXX    each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX   but declined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

On or about XX/XX/XXXX I pulled copies of my credit report and found an account listed with Bay Area Receivables for {$65.00} for XXXX XXXX XXXX. I have never been a patient at or sought the services of said company. I contacted the original creditor to inquire on this debt, only to be advised that they had no record of me ever being a patient and that I would need to resolve with the collection agency. I contacted Bay Area Receivables on XX/XX/XXXX and requested to know what this debt was and for proof. I was advised it was for a return check and was mailed a copy front and back of the check. Upon receipt of the requested items, it was very clear that the signature and writing of said check was not mine. I have disputed this debt only for Bay Area Receivables to continue reporting and stating debt is verified as valid.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I was contacted by Midland Credit Management collection letter dated XX/XX/XXXX. I disputed the debt in my letter dated XX/XX/XXXX. Midland responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent Midland my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX Midland 's letter told me they opened an investigation on my  dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and Midland was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX Midland letter notified me that they were no longer be collecting on the account.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated I am demanding the company block and remove the Inquiries from my consumer report not later than 4 business days after such information I provided. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-12
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. (OH)

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( Trans Union, XXXX, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FIRSTBANK PUERTO RICO (PR)

This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have sent a letter on XX/XX/XXXX to the XXXX Credit Bureaus ( XXXX, XXXX, Transunion ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX   verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, Transunion, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, Transunion and XXXX  is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!
Consumer complaint received 2020-08-19
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. (VA)

Equifax XXXX and XXXX are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How??????

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Consumer complaint received 2020-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with XXXX XXXX, BK OF AMER, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BK OF AMER, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-19
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: PENTAGON FEDERAL CREDIT UNION (NM)

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
Consumer complaint received 2020-08-19
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. (SC)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I had an auto loan with XXXX XXXX  account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the XXXX XXXX and transunion according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX XXXX and XXXXit is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
.
Consumer complaint received 2020-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am requesting information about the following 2 items on my credit report. 1. Capital One account # XXXX and 2. Capital One account # XXXX Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed. If this information is not available, please note that the validity of these items can not be determined. Please remove them from my credit history. My identity was stolen in XXXX and there were purchases that were made on my accounts that were not my charges.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Under my total student loans there is one that has listed navient as one serving the loan. This loan states it was given in 2006. Although I did take loans in 2006 they have since been paid off. Since this time I have had to pay numerous times " outstanding balances '' to receive transcripts, enrolled at another college and again to reenroll again. The loan at one point affected my credit so badly, I was unable to rent an apartment while XXXX  they were harassing me and threatening to garnish my wages if I did not paid them more then 60 % of my income I was making while XXXX  

I am currently looking to consolidate my loans again this particular loan states : they don't offer consolidate options because it is a private Stafford loan. I also requested promissory not and details regarding the loan that navient fails to provide me. It lists multiple places i had the loan in forbearance while I was in school or deferment ... .. none of which I agreed too. I was able to provide documentation that the debt was removed from one of.tye reporting agency 's and have recently disputed it in another credit agency. Most recently they are reporting that the loan is in default with credit agency 's and it is not on default not do I believethe loan is legit. I absolutely have student loans but this agency has mislead and lied to me regarding one of the loans. I would like the original loan reviewed, as all.my attempts to retrieve documentation regarding it have been unuccessfully.
Consumer complaint received 2020-08-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.
Consumer complaint received 2024-11-17
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. (TX)

I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Arivo Acceptance, LLC (OH)

Overly aggressive collection processes on loans when you are not over 30 days late. Numerous phone calls, texting, threatening repo after only 10 days late. Ive never been over 30 days. Staff only care about quotas and pressure consumers to make XXXX payments in XXXX month. Excessive interest and tag on fees. No recognition or discount as originally promised when payments are made on time but less than 30 days. Very demanding and extremely rude with aggressive manipulation techniques. Horrible lender.