davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-25
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: All State Credit Bureau, Inc. (MI)

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. Verification of Collection Entry : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. I already removed fraudulent inquiry this company had no permission to pull. I will be filing a lawsuit against company. This company needs to follow guidelines of the ftc. Reporting incorrect balances and also illegally pulling credit. I know my rights and guidelines when it comes to collections illegally reporting and inaccurately reporting false info. You have to get my written approval to pull credit. I will constantly make sure i will keep pressing on this issue until this is removed since it was already removed and and now currently reporting. Also you have to verify information regarding this company has not provided information. I will make sure this company will be on the block list. This company already has complaints regarding illegal reporting. I will certainly make sure this company is completely block for neglecting to provide any information to verify accurate info. I will keep sending complaint until this is removed thats why you keep getting the same duplicate complaint. If you dont remove I will constantly send one.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX XXXX XXXX I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documents and Clarification on Debt Collection Practices Dear CACi I am writing to express my concerns regarding the recent debt collection communications I have received from your agency. I believe there XXXX be elements of extortion in the process, along with federal and state law violations. I am seeking clarification on the matter. Upon doing a forensic audit on account XXXX that is reporting to my credit file I have determined I have no record of business with CACi. According to my credit file the original creditor for this account is Simple Fast Loans. I have never given consent to CACi to satisfy any debt on my behalf. CACi satisfied the debt obligation with Simple Fast Loans and is now trying to extort me for an extension of credit which is a violation of XXXX XXXX XXXX. ( Heavy penalties for this crime. ) The company has sent out correspondence, and has placed this account on my credit file, ruining my character and harming my familys general mode of living. I request immediate clarification of this debt and an explanation of your collection procedures. I am prepared to take appropriate action which includes seeking criminal and civil penalties to address this matter. 

Documents I am requesting : -Official affidavit of debt. 
-Im requesting that CACi show me you are the original holder in due course of this debt. 
-All accounting records on the public and private side using generally accepted accounting principles ( XXXX ) that prove I owe this debt from the time the account was open until now XX/XX/24. XXXX XXXX XXXX, XXXX. ( Billing statements and a contract isnt proper evidence to prove debt. ) -Master purchase agreement between CACi and Simple Fast Loans. I would like to read the terms of the agreement. ( A bill of sale is not sufficient. ) -Show that each condition was met under XXXX XXXX to report my non public personal information to non affiliated XXXX parties. ( XXXX, XXXX, XXXX. ) -documents to debt collect in the state of XXXX XXXX 

If CACi will not comply fully with my demands I will proceed forward with my desired remedy to get this account removed from my credit file which I stated above. In addition, Ill be submitting copies to the XXXX, XXXX XXXX XXXX the XXXX  ( FTC states not having proper consent is identity fraud. ) I need the address to the registered agent to CACi to send legal notices in the event CACi does not comply with my demands.
Consumer complaint received 2024-08-05
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I keep disputing an item from a company called XXXX XXXX. This debt is from a medical bill with an XXXX. I have had medical bills that were deleted of my report even XXXX  bills. This XXXX  called the police when I refused the ride and felt ok to have my friend drive and take me to the hospital when all I and was a XXXX XXXX something that I suffer from. I knew that my insurance would not pay for this and that is another reason why I refused the bill. I feel that I should not have to pay this bill when I repeatedly refused a cop made me stay.
Consumer complaint received 2024-05-30
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. (TX)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I got a car auto loan from this company back in XX/XX/2022. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my Trans Union account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I attempted to freeze my credit score with TransUnion. I called their XXXX number, and unlike the XXXX other credit bureaus, I was not able to request this option through the automated voice. Instead, it asked me to wait to speak directly to a representative, then they warned that wait times are very long so they recommended I use their website. So I then went to their website, created an account, selected the option to freeze my credit, but then received a notification that " this service is unavailable. '' I then tried to send an instant message using their website, and it warns " wait times are at least XXXX minutes. '' These are ridiculous hurdles for a very simple request. I was able to easily freeze my credit score with the other XXXX bureaus within minutes, and without needing to speak directly with a representative. These hurdles and poor service by TransUnion creates an unneccessary burden, restricting my basic right to protect my credit and identity.
Consumer complaint received 2024-08-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (GA)

I requested a loan modification for my mortgage, which was offered on XX/XX/year>. The terms included a 2.5 % interest rate, a XXXX term, and a new monthly payment of {$1400.00}. I accepted these terms upon receiving the offer, but delays in mail meant I only became aware of it on XX/XX/year>. I denied a previous, unfavorable offer from XX/XX/year>, during a call on XX/XX/year>. Since then, Village Capital has inconsistently processed my application, requesting additional documentation despite previously acknowledging that my application was complete as of XX/XX/year>. I have repeatedly tried to clarify the situation with Village Capital, but have received conflicting information and poor customer service. I am concerned that there may be retaliatory actions affecting the processing of my modification.
Consumer complaint received 2021-01-08
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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (PR)

Sent XXXX to XXXX. No change they stated valid. Sent Navy Federal Credit Union debt validation letter XXXX XXXX 2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. Navy Federal sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from NFCU they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

American Express : I am writing to formally dispute inaccurate information reported on my credit report by American Express. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly I am disputing the validity of this debt in its entirety. The collections account in question is reported by American Express and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1400.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from American Express, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$1400.00} from American Express on my end. Additionally, the account shows a past-due amount of {$700.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Two years ago, in XXXX Equifax, due to their own negligence had a security breach and recommended that we place freezes and alerts on our accounts. Today, my wife ( XXXX XXXX XXXX ) and I XXXX XXXX XXXX, contacted Equifax to have freezes lifted from our accounts so we could proceed with a mortgage application. Equifax informed me, XXXX XXXX, that I never had a freeze on my account despite multiple mortgage lenders saying I do. Further, they insisted my student loans were with XXXX, when in reality I have been with XXXX XXXX since AT LEAST XX/XX/XXXX, today is XX/XX/XXXX. Then they stated they had two different names for me, one XXXX XXXX XXXX one XXXX XXXX XXXX, with both names having different addresses attached to them, despite the SAME SOCIAL SECURITY NUMBER AND BIRTHDATE! 

Then they told my wife, they would not remove the freeze from her account because her name was different since we got married, in XX/XX/XXXX, again it is XX/XX/XXXX. They informed her she would need to submit a marriage certificate and ID, and when asked how they would make the change they stated she would need to include a letter authorizing this. 

They are making us jump through these hoops that THEY PUT IN PLACE because of THEIR NEGLIGENT actions and behavior. I am sick and tired of this credit agency putting our personal information at risk and when we need that information available for us to finally pursue the dream of home ownership for the first time, before our first child is due in XXXX, they are placing obstacles in our way that are not only unnecessary but burdensome as well. 

My wife is 5 months XXXX and does not handle stress well. Her XXXX has reiterated time and again the importance of low-stress environments and situations and Equifax has been completely unreasonable with our requests. We do not feel we have been treated fairly and that Equifax has placed an undue burden on my XXXX  wife with requests that should not be necessary. My wife answered her security questions, and because Equifax, not my wife or myself, but Equifax, because they have not done their part to update their files, they are now causing undue burdens on our family. We demand answers to why they can not process my wife 's request, why Equifax does not update individuals files in regards to things like student loan transfers ( i.e. From XXXX to XXXX ),  why they do not update an individuals name when that name change happened 10 months ago and was filed with the Social Security Administration, and why they have multiple names for one person who clearly has the same social security number and birthday. 

I am appalled that this predatory and deceitful agency is allowed to exist in this country. We demand answers to our questions in a timely manner, along with an apology from Equifax for their continued failures of the consumers they are supposed to protect.
Consumer complaint received 2024-07-30
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. (MD)

My personal information has been compromised, and there have been attempts to apply for several credit cards in my name. I was alerted by XXXX, which led me to place a fraud alert on my credit reports. I noticed inquiries on my report from the following institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted all the banks to cancel the fraudulent credit applications.