davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include 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 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

This was an apartment that was XXXX $ a month, I became XXXX XXXX XXXX XXXX, my Mother tried to pay the statement but was refused, she then had to clear out my belongings while I was in the XXXX, they refused he payment and said just get my things out which she did, that was XXXX but it is still on my report and has a false amount
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS : XXXX Phone Number : XXXX XXXX TRANSUNION XXXX  XXXX : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit reports within XXXX business days, pursuant to section XXXX05C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

Please remove hard inquires XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation (KY)

Their was a credit card account opened on XX/XX/2024. From XXXXfortiva in the amount of {$4000.00} with XXXX already used. Soon as I seen it I disputed the account I will call the company first thing in the morning as their close at the time of writing this.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (NC)

Dear Ally Credit Card Disputes, I am writing to file a formal complaint regarding the closure of my account without my knowledge. Despite numerous attempts to seek clarification and resolution, I have not received a satisfactory response from your team. 

On XX/XX/XXXX, I was informed by your Executive Customer Relations Department that a credit was issued for a XXXX charge, including interest and fees. However, there still remains a balance on my account which has not been addressed. Despite reaching out to Ally over XXXX times about both the closure of my account and the unresolved balance, I have yet to receive any resolution from your dispute department. 

I am deeply disappointed by the lack of communication and assistance provided by Ally Credit Card. As a retired service member, I find it unacceptable to be treated in such a disrespectful manner. I have spoken with several supervisors, only to be transferred or hung up on, with no tangible progress made since XX/XX/XXXX. 

I demand that my account be reopened immediately as there was no valid reason for its closure. Furthermore, I insist that the remaining balance be removed without delay. Failure to address these issues promptly will result in me taking legal action to seek resolution. 

I trust that Ally Credit Card will take this matter seriously and work towards a swift and satisfactory resolution. I appreciate your immediate attention to this pressing matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX 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 XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2022-12-05
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)

I have sent two Rounds of letters disputing and enclosing proof that my personal information were fraudulantly misused and were used to obatain fraudualant credit accounts. 
I enclosed an FTC Id theft affidavit along with my notice of the XXXX data Breach and settlement claim number, Transunion has refused to delete any of the fraudulant accounts and continually reports erroneous and fraudulant info. 

I would like these negative eccounts removed immediately.
Consumer complaint received 2024-07-17
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have previously made complaints against Navient. My private student loans were obtained between XXXX and XXXX in the amount of $ XXXX. I now owe close to {$80.00} due to interest. I have been paying on these loans since that time. However, every XXXX months I have to call and beg Navient to work with me on a payment that is acceptable for myself and my family. They threaten to come after me, my job and my family. They have told me to just " get a second job '' when that is not possible. 

I have to default on the loans to make this company work with me every XXXX months. They also do not apply my payments correctly and then call and harass me and my family for {$11.00} dollars due to Navient not apply the automatic payment correctly. 

Recently, I have entered into a payment plan for XXXX out of XXXX private loans. I can not afford the fourth loan amount. XXXX XXXX with Navient has called my family members disclosing that I have a loan with Navient that is in default. Navient has been calling family members that are not on the loan and who are also not the cosigners on these loans. Navient has also called the father to my child who is not a part of my household nor is listed on any of these loans. My phone number and email are the same that have been listed on these loans since XXXX. I reach out after the threats are made and the calls recently have not been going through. 

XXXX XXXX has left voicemails on family members phones about myself and my loans that are again, not listed on any of these loans. 

Navient and XXXX XXXX recently left me a voicemail that if I do not call them back, they will " take that '' as an agreement to call my employer which I do not have XXXX listed on my account for over a year. 

Since XXXX, I have paid these loans off at least twice. They push and threaten me into payment plans that are not realistic. They call and threaten me and family and also disclosing confidential information to outside parties that are not listed on the loans. 

I want to file a complaint for harassment and abuse of power on Navient. The bully their borrowers into plans that force us going into debt trying to meet their payments plans. They have ruined my credit due to not applying the payment correctly when they automatically withdraw it out of my account monthly. They are also disclosing HIPPA to outside individuals that are not listed on the loans and have my direct information.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-20
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. (IN)

unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
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. (SC)

unfortunately, I am a victim oXXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-09-15
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. (TX)

I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : 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 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Past two years I have had I have had problems with my My credit report, unable to establish credit being denied due to incorrect information. I have advised these counsel does not belong to me. These are incorrect. Which I was advised on the credit report, it falls under the fair credit reporting at I am a veteran of the United States 25 years and unable to receive credit I have made on times payments These accounts are still reporting in correct something needs to be done regarding this situation has been happening to now three years. The credit score range has to be XXXX as a veteran. My credit score is XXXX with attaching devices XXXX  boost Other recording devices Being XXXX XXXX XXXX, after being a veteran, I will was employed by the veteran affairs for the government who also works for veterans affairs to help all veterans XXXX  in need. I have an attach different companies who names and documents are reporting in accurately. These accounts does not belong to me. I requested history from these companies and only information they pull from credit bureau departments? Company names collections .XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX doesn't belong these are not mine accounts. COMPANIES CALL-XXXX XXXX XXXX XXXX I HAD OVER 16 years. ATTACHED DOCUMENTS PROOF these accounts never late paid on time. Once was reporting correctly notice huge change.LETTERS PRINT OUT. Company provided. Showing no late payments. ACCOUNT CALL XXXX XXXX. SOMEONE change my credit report without me being contacted .THIS ACCOUNT was paid OFF SETTLEMENT before Originally agree date notice charge credit reporting XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I find myself a survivor of XXXX XXXX, a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.
Consumer complaint received 2024-07-17
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-07-14
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: Allied Collection Services, Inc. (Nevada) (CA)

Some stuff thats on my credit report I did not have consent to or was informed plus my wallet with id and social had got stolen been trying to resolve issues on my report and got referred to you guys
Consumer complaint received 2024-07-20
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. (MS)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.
Consumer complaint received 2024-07-14
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: TD BANK US HOLDING COMPANY (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-20
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).