davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (NY)

This is my 7th 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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} 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
Consumer complaint received 2023-06-14
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. (MS)

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. 

Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : 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 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 2023-02-22
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: Experian Information Solutions Inc. (AL)

I filed a complaint with the Consumer Financial Protection Bureau about not being able to get a free report from Experian. I was told they needed more time to fix this problem. Now, I am getting emails from Experian, however when I tried to read these emails I am being required to provide information which I don't have on order to sign in. Why can't they send me a response through the XXXX. Postal Service?
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

On XXXX XXXX, the company ON LINE INFORMATION SERVICES, contacted me via mail, on this letter, trying to collect {$460.00} dollars. They claim that I have a debt with XXXX XXXX XXXX Open on XXXX XXXX XXXX  and used their services until XXXX XXXX I already make contact with XXXX XXXX and they asked me to provide a POLICE REPOT for identity theft ( I have it already ), the collection agency letter, XXXX XXXX XXXXXXXXXXXX XXXX information such Account umber XXXX Customer Name XXXX XXXX Invoice Date XXXX  Invoice Number XXXX Referral Id XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have visited Texas about 20 years ago for one week visiting relatives in XXXX, I have not been in XXXX never in my life ; half of my life in XXXX XXXX and 34 years in XXXX XXXX California . and I use to lived 29 years in XXXX XXXX XXXX, XXXX XXXX California but keep it as mailing only for important documents. One of my friends allows to received mail for in-between apartments her address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX And my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
My cellular number XXXX, I had it for more than 23 years here in XXXX XXXX California. 
I will attach a few of my documents that proof that I was in XXXX XXXX California during the XXXX identity theft ; Phone Bills, rental agreement, my work Id with year dates car insurance and more.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I first disputed with experian numerous accounts to have validated and legally able to report. I got back a list in which they refused to investigate stating they investigated and dont need to. Then I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. Experian doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue and what did they send back a form letter saying how they do investigation and that they wont reinvestigate. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

I submitted a dispute for inaccurate information reporting to Experian on 3 separate occasions. The last response came back as verified. On XX/XX/2017 @ XXXX I contacted XXXX who would n't share his last name, only that he 's on XXXX. I asked could he provide me with method of verification used to verify this record. I was told by the court house. I went on to explain to him I previously contacted the court house and they notified me they do not verify information. He continuously stated it was the court house. I requested the name of the court house, person 's name who verified the dispute, the address and phone number as well as any verifying documentation. He went on to say he could n't provide me with that information. FCRA, section 609 a ( 2 ) states the credit reporting agency must disclose the source of the information. FCRA section 611 paragraph ( 6 ) ( B ) states " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available.
Consumer complaint received 2023-06-27
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)

I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ; XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect.XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-21
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. (IL)

I hope this message reaches the appropriate department. I am writing to express my serious concern regarding the inaccuracies found on my recent consumer report. Upon reviewing the report, I discovered bankruptcies that should not be listed there. As a consumer who has been studying laws lately, I believe this is a clear violation of my rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( 4 ) - Consumer Right to Privacy. It is alarming to find that my personal information has been released without my consent, leading to these erroneous bankruptcies appearing on my credit report. This situation is distressing, especially considering that I have been a victim of identity theft. I want to emphasize that these bankruptcies do not belong to me, and their presence on my credit report is both criminal and civil liability on your part.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (VA)

Since XXXX XXXX, 2016 my employer has been trying to make a sum payment on my XXXX student loan. The payment has been rejected three times, regardless of my continued phone calls, faxes, and confirmed loan information. When I have asked to speak to supervisors, I am given the same information, which is to " just keep trying to send it to the address on the website ''.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My card was used unauthorized to book a hotel not even in my name. two charges for {$760.00} & {$200.00}. my claim was denied in less than 24 hours. another claim i filed was an XXXX XXXX  transfer, i was scammed out of {$610.00} & never received an update to provide more information or anything. claim was denied within only 48 hours. thats a lot of money for me to have just lost out on and its upsetting, the proper investigation wasnt even conducted. there wasnt even an attempt to provide provisional credit, just flat out denied my disputes when these are VALID cases.
Consumer complaint received 2023-06-27
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP (AR)

On XX/XX/2024 at XXXX, I missed a call from ( XXXX ) XXXX. A man named XXXX left a voicemail stating that a complaint was issued for my residence, listed my address and my name and maiden name. He also called friends and family of mine, left the same message saying he was looking for me. I called the number to find out who they were and to request something in writing from them if it was in fact legitimate. A different man named XXXX answered saying he was in the XXXX XXXX and the client that " dispatched down '' the complaint was US Bank, he was trying to collect on an account that was closed over XXXX years ago. I had to ask several times who he worked for and I never got an answer, he hung up on me. 
At XXXX, he called back from a different number ( XXXX ) XXXX and began to threaten my life, my father 's life and my children 's lives. He yelled XXXX and XXXX  slurs and threatened to mess up my entire life, told me my social security number and said he was going to ruin everything for me, that I needed to go back to my country. I blocked both numbers, called the local police and filed a report.
Consumer complaint received 2023-06-14
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. (TX)

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (GA)

I reached out requesting that the XXXX Account be removed from my credit file. I reached out to the company and they stated the account was closed. But they put on my credit file that the account is charged off. This is not legal under code 15 USC 1681b ( 2 ), creditors are not to report any negative items with written consent, this is considered identity theft.
Consumer complaint received 2023-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

This is my 2nd complaint... the issue has still not been resolved since I filed the first complaint. I keep getting told it is being worked on and will be updated soon .... 

I initially applied for public service loan forgiveness back in XXXX of XXXX when the designated lender was XXXX. After multiple months of back and forth with them on the processing of my application I finally received confirmation that I had met the necessary threshold for forgiveness however I was notified that given the ending of their contract with the Department of Education that my application would be forwarded over to MOHELA for completion. Since that has taken place many months ago I still have not received any notification from MOHELA on the status of my loan forgiveness. In fact the information that they have noted on my payments is incorrect and I have contacted them on multiple occasions via phone and email to indicate such. I even resubmitted my public service loan forgiveness application and certifications to them again so they could see the discrepancies and all they did was cancel my duplicate application. Every time I have made attempts to contact them to gather information on the status I keep being informed that they have an influx of applications and it's going to take a long time to process. I'm told it'll take 30 days, then 60 days, then 90 days by now it has been practically 10+ months since MOHELA has had my application and I still have heard nothing about correction to my payments nor whether my loan has been forgiven. I have emailed them about this on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called them on at least 5 occasions but unfortunately I have not taken down those exact dates.
Consumer complaint received 2024-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (GA)

I recently pulled my credit report and noticed that someone has stolen my Identity and used my personal information to open and apply for credit in my name. I have reached out to the credit bureaus and companies to ask about these accounts and let them know that I am victim of Identity Theft and my personal information has been compromised and used to open these accounts. Below I have attached the accounts and information with them. 
1 : Account : XXXX  Date : XX/XX/XXXX Amount : XX/XX/XXXX 2 : Account : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date : XX/XX/XXXX Amount : {$660.00} 3 : Account : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX  Amount : {$62000.00}
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (UT)

Updated Complaint Regarding Robinhood Financial LLC - Complaint # XXXX Complaint Summary : Since my initial complaint on XX/XX/2024, regarding the unauthorized transactions and mishandling of my account by Robinhood, I have faced further alarming developments. Despite clear evidence of fraud, a police report of severe intimidation, and financial records solely in my name, Robinhood continues to mishandle my case. 

After reporting the unauthorized transfers totaling {$10000.00} on XX/XX/, Robinhood locked my account, including {$8000.00} in unaffected funds that should not have been restricted. I repeatedly requested that the joint account ( which was funded exclusively by me ) be closed, and the remaining funds returned to my personal account. 

New Incident : On XX/XX/2024, Robinhood lifted the account restrictions without addressing my concerns, allowing an additional {$3800.00} to be stolen from the joint account, despite my explicit request on XX/XX/2024, to close the account and secure my funds. This brings the total amount stolen to over {$9100.00}. 

Robinhood 's Findings : Shockingly, Robinhood has concluded that no fraud took place. This is in direct contradiction to the evidence, which includes : Account access from an unfamiliar device that transferred funds out of my account. 
A police report documenting the threats and intimidation I experienced. 
Clear financial records showing I am the sole contributor to the joint account. 
I believe this conclusion is a form of retaliation for escalating my case to regulatory bodies, as Robinhoods actions have been negligent at best and malicious at worst. 

Negligence and Breach of Fiduciary Duty : Robinhood has failed to safeguard my account, even after I initiated the fraud investigation. 
They allowed additional funds to be stolen by not acting on my multiple requests to close the joint account. 
Their mishandling of my case has led to significant financial and emotional distress. 
Requested Action : I urge the CFPB to take immediate action to hold Robinhood accountable for their gross negligence and breach of fiduciary duty. I demand an immediate reimbursement of the {$9100.00} stolen from my accounts and a full investigation into Robinhoods conduct throughout this matter. 

Sincerely, XXXX XXXX Contact : ( XXXX ) XXXX Email : XXXX XXXX