davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened, incorrect account status. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-11
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-11
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. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I am a patient of XXXX XXXX, Michigan XXXX XXXX since XX/XX/XXXX, I had visits every other month, I have XXXX XXXX Health care insurance, the insurance paid every single charge since then except one visit in XXXX, it seems the Doctor office did not submitted it on time, or they did not bill it in correct format. I was informed about this charge around the end of XXXX, I contacted the DHS case worker, she told me to ask the Doctor office to submit the claim again and she will pay it, I contacted the billing department and asked to submit the charge again. However I received few statements from the doctor office for a charge of {$120.00} dollar, I contacted the office every time I got statement for the doctor office, and asked them to bill the charges again. It look like they did not submitted again. Sometime in XXXX I received statement from Merchants & medical Credit ( Collection Agent ), I called them and explained to them what happened. I received few calls from them since then. Every time they called we went through the whole issue again. I found out that on XX/XX/XXXX they reported this issue to Credit Bureau, I called today, They said they received this case in XXXX, I was late for them to submit the charge to insurance, and the doctor did not.
Consumer complaint received 2020-06-09
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. (NC)

I have reached out to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX for verification of alledged debt. This debt is reflecting negatively on my credit report and I am requesting to remove this account immediately.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: HYUNDAI CAPITAL AMERICA (CA)

During the life of my car lease with XXXX XXXX they kept pilling credit reports which show up on my credit score. Out of 3 years i had 1 late payment.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Respected sir I am XXXX XXXX from XXXX and I have been fighting a litigation in the XXXX court. I am an USA citizen. I would request you to help me get the transaction made from USA to XXXX by me from the XXXX-XXXX I have tried with the banks and henceforth I am submitting to you the documents My email - XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I moved from XXXX  to XXXX. I needed an entire house hold of furniture. I obtained several credit card loans from store credit cards. Guitar center, XXXX XXXX and Ashley furniture. I have paid all my minimum payments on time have not been late. Im in need of furniture for my son and I realized they cancelled all my credit cards with no notice. I have two mistakes that are being fixed and they said due to high balances when the balances are less than when I first got all accounts. Also I was lied to from Ashley furniture about paying off the balance by a certain date. They added all the interest and did not give me the opportunity to pay it off. No letter was sent. Also I cancelled 2 damaged chairs from city furniture and they did not credit back the card. There fore making my balance {$450.00} higher. I cant get anyone to assist I went into the store and contacted the customer service XX/XX/2020 and ended getting hung up on while she tried to transfer me. I want my accounts open why should I pay them if they did not keep their part of the bargain. I have a XXXX XXXX they did not close my account! This company I feel is discriminating against me. Im going to look into other rights I have to take measures against them. Especially during a pandemic how dear they treat customers this way.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included 9 attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself! 
PLEASE SEE ATTACHED AND PLEASE HELP.
Consumer complaint received 2024-09-12
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)

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 2020-06-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
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 XXXX  XXXX, 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. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

My credit report has an unpaid debt that is not mine. A person used my information however the names dont match or any other information except my address. This debt is not mine. I have not had laboratory testing of any kind to be charged this debt. I disputed the debt but its still showing on my credit.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Paypal limited my account for insufficient reasons. I sold three items this month on XXXX and the only payment option is Paypal. I received payments from buyers  and can not touch the funds because of an account limitation that is baseless and unfounded. To " lift '' the limitation, Paypal asked me to verify my identify using four different methods. I completed three out of four, the fourth one is impossible to complete on my end and has zero to do with proving one 's identity. They insist I jump through impossible hoops to get my money, which is an insignificant amount to begin with! These are hard times, and I sold personal assets to make some spare change and Paypal is holding it, why? I appreciate any help, thank you.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2020, I used Fifth Third Bank 's mobile deposit platform to deposit a check written by me from my own personal business on an account at another institution. This check was placed on hold to the tune of {$1000.00}, which to me is a substantial amount of money, and will prohibit me from using my account until the hold is released. Bank manager XXXX explained that the bank conducts this type of behavior " all the time '' when mobile deposits are made. Federal Reserve Reg CC allows for certain reasons to place holds on deposits, and requires banks to notify consumers if a hold is placed. I have received NO notice of the hold through mail, email, or telephone. NO reason was provided for the hold being placed even after I called Fifth Third and asked for an explanation. They have been holding my account hostage for 6 days now. That's plenty of time to get me a letter in the mail explaining why they placed a hold. My account is not new, the deposit was not over {$5000.00}, the account is not repeatedly overdrawn, I can PROVE collectibility on the check so there is no reasonable doubt thereof, and this is not a redeposited check. As far as I can tell, there is NO valid reason for the hold to have been placed, which means the bank is operating outside Reg CC guidelines.
Consumer complaint received 2024-09-02
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. (FL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I am trying to link the XXXX  application and called pnc bank. Pnc bank is stating that since they sent me a code via text that its not their error. The pnc agent gave me a number to call and a automated message comes on about XXXX  stating to go to the XXXX  application follow some steps but the issue has nothing to do with XXXX. Also the after the automated system gives you the information about XXXX  it hangs up. The issues has not been resolved. I need to be able to link my XXXX  application to pnc and so far its not fixed.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report ACHIEVE PERSONAL LOANS
Consumer complaint received 2020-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

I have been paying on this loan for over 9 years and only paid down {$2000.00} but recently with coronavirus I received an email that my loan is in forbearance for the next six months to help with what is going on which is very helpful however when I check on my account today it shows that my balance increased by XXXX. How is that when my account is on a forbearance by the government? Like I said I cant seem to get this balance down and Ive been paying for YEARS! Ive never missed a payment
Consumer complaint received 2024-09-06
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)

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint. This was submitted weeks ago please block and delete all negative item listed in this letter required by law
Consumer complaint received 2020-04-27
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. (OH)

On XX/XX/2020 I sent a letter to Equifax them to provide physical verification for an account that is being reported on my credit report, and for that item to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote a second letter requesting the same information, and the same deletion. As of today XX/XX/2020 I have still yet to receive any physical verification of this item belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the item should be deleted at once.
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

I have contacted Santander bank which is who is financing the car for about 6 years in regards the interest rate and their statement that does not make sense. The payments that were made never showed where it was applied, when asked about the interest rate and how was applied was never answer we were put on hold and disconnected. We were blocked from the online account after statement info were obtain, which showed that the amount never went down, when asked were the money was going supposedly it was applied on the interest which is 22 % but why it is not broken down on the statement, why the actual amount after interest is not showing on the statement. I told them that the 22 % is not lawful in my state their answer was its not up to them. When finally spoke to a supervisor she said off the record fight cause they are taking your money. We have paid a total of {$44.00}