davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (GA)

This is my 16th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} 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 2024-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (TX)

XXXX XXXX XXXX is trying to collect a debt for ONEMAIN FINANCIAL GXXXX XXXX that was written off and a 1099c issued by Onemain financial. XXXX XXXX  is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.
Consumer complaint received 2023-12-07
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My mother is XXXX XXXX XXXX and has XXXX, she is in a vulnerable class and I have recently received online access to her Checking account with 5th/3rd Bank to watch for any fraudulent or suspicious activity since I have had to find XXXX household care for her. I have POA over her health & financial issues and I am also on this Checking account. 
On XXXX XXXX I reviewed her checking account online and immediately saw fraudulent activity as follows : on XXXX XXXX, 2024, there was XXXX transactions to XXXX each for {$490.00} for a total of {$11000.00}. 
My mother has never had a XXXX transaction on her account, she has no computer, no cell phone, no email, no debit or ATM card. 
The bank never flagged this as suspicious activity and no one on the account was notified. The bank saw nothing suspicious and when I contacted them and asked them to look at the activities from XXXX XXXX they still could not see anything suspicious and asked me what was wrong. I have filed a dispute with the bank Case # XXXX and a Police report # XXXX. I have asked that someone from the Investigation Dept call me with any questions or status. Today I called looking for the status they claim the Investigating team sent a letter to my mom requesting more information. 
I keep explaining that my Mom has XXXX and does not even know about the compromise, I asked if I could speak to the team to answer their questions and get this moving along and they said they have no phones in that dept and could not give me anyone. I asked who their Prudential Regulator was and the employee XXXX XXXX XXXX said he did not know and could he put me on hold to find out. When he came back he said nobody knew and would was transferring me to Customer Service and then I was disconnected. 
My concern is not only about the money ; I am also concerned about her safety being with a caregiver who may be responsible for this theft. I have explained the urgency and have asked them to escalate this investigation since she is in a vulnerable class and have not been able to get any assistance.
Consumer complaint received 2023-09-21
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: LEXISNEXIS (MD)

LexisNexis Risk Solutions is inaccurately reporting a Not at Fault Accident for XX/XX/2021 and this is negatively impacting my insurance premiums. 

I sent in a utility bill to authenticate via a link provided as requested by LexisNexis Risk Solutions. However, it continued to claim that I did not authenticate. 

The issue remains unresolved.
Consumer complaint received 2024-01-16
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. (TN)

I am writing this statement to address a serious issue that has come to my attention regarding unauthorized financial activities carried out in my name. Recently, I became aware that I am a victim of identity theft. As a result, there may be attempts to open auto loans or lines of credit under my identity. I wish to make it categorically clear that any such activities in the year XXXX  were not initiated or authorized by me. 
Identity Theft Incident : I discovered the identity theft on XX/XX/2023. Since then, I have been actively working with legal authorities and financial institutions to resolve this matter. 
No New Accounts Opened : I affirm that I have not applied for, opened, or authorized any new auto loans or lines of credit in the year XXXX  OTHER than accounts bearing my authorized signature. Any records indicating otherwise should be treated as fraudulent and a direct result of identity theft. 
Preventive Measures Taken : To address this issue, I have taken preventive measures, including placing security freezes on my credit. 
I appreciate your understanding and cooperation in this distressing matter. Identity theft is a serious and unsettling experience, and I am committed to resolving this issue and safeguarding my financial integrity.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Tuesday XX/XX/XXXX, I signed up for a one day trial to a website called XXXX and never use it again. Imagine my surprise when I get a notification from my Capital One checking account stating that {$38.00} had been withdrawn. Turns out, I had been auto enrolled into a full subscription that I never needed nor wanted. In an attempt to resolve this, I used the site attached to the payment, XXXX. Just yesterday, I get another spontaneous withdrawal of {$37.00}. To my dismay, this is a trap and sketchy loophole to steathily withdraw money yet again. Now, a pending charge from a website called XXXX with the exact layout as XXXX is currently on my checking account. I have been trying to dispute this for days in hopes of a refund as I need this money for other essential means. The only thing XXXX did to resolve this was void the transaction and full membership to make it appear as if I never paid for their service, while STILL keeping the {$38.00}. This has left me restless and frustrated, because what was now meant to be just a one day trial run of a website has turned into a game of cat and mouse where I'm left no choice but to hound for my money. Also, mysteriously, the {$37.00} charge which was once for solely XXXX is now showing up as XXXX, which is practically the same site.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted all credit reporting agencies and disputed each, none are willing to help, and stated I must contact each company. All companies stating nothing they can do about it, I have contact police department but was notified there is nothing they can do without a suspect name.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I had a Large Inheritance deposited into my checking account with Capital one bank via wire transfer on XX/XX/XXXXXXXX  from XXXX XXXX XXXX bank in Alaska, they froze my account week later claiming Fraud. The bank in Alaska proved it was not fraudulent as did i and they have held my XXXX in an account that i can no longer see. I have called over 100s of times and i get a run around about under investigation to have my money moved on XX/XX/XXXX and was told it was sent back to where it originated from it is now being told to me that its still under investigation after a year & a half and I want this resolved and the money returned to me. Every time i call i get a different response it was sent back to Alaska now its with investigator i cant see my money nor do i know if it is still in Capital one bank in new York since they moved it and closed my account down. I am desperately in need of help please they have stolen my money from me is how i see it.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello. On last XXXX, I disputed XXXX  life insurance charges that were fraudulent and all were resolved except for XXXX of them for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ). All the details were heavily noted in my account, as I spoke to XXXX  reps. 
The XXXX  XXXX must have read and comprehended XXXX  the notes and approved charges in a timely manner. I was told by XXXX of your reps that the XXXX  XXXX on XXXX  case just accepted the paperwork sent from the insurance companies WITHOUT weighing the whole premise of the case : i never signed XXXX  document with a wet signature. Of course the companies would provide " evidence '' of a document signed but it was NOT MY SIGNATURE. 
I spoke to a rep shortly after understanding the denial and was told to submit my signature and ask for the XXXX to take a XXXX  look. I was not given a time limit. ( You can listen to the call for this proof. ) When time permitted on XX/XX/23 and XX/XX/23, I provided a wet signature plus all the notices Navy Federal sent me, the XXXX application so you could see the signature did not match, and explanation to your XXXX center in the app just as I was instructed. To my surprise, I was told they would not do XXXX  and for me to contact the merchants. Of course, I contacted the merchants and they are XXXX  and passing the XXXX. This is why I got Navy Federal involved. 
I am writing you to assist with getting all my funds back since the reps are not on the same page and no one even took the time to contact a XXXX or even the dispute department. Sometimes cases are not XXXX and XXXX  and require a little more effort and critical thinking. Thank you for your time.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MN)

US Bank has been in the process of closing my checking account. On XX/XX/2024 they locked my account. I called the next day on XX/XX/XXXX to understand why I can not log into the bank app. It has been 2 months and have not received a lot of information. They have not told me when they'll send my money. It is {$8300.00}.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The lender conducts very predatory and malicious acts. The lender failed to mail notice/information regarding right to redeem the vehicle and list the outstanding balance, fees, and issues that must be satisfied including the deadline. The lender failed to provide the notice once the vehicle was auctioned with the amount sold or recovered from sale. The lender reports interest monthly increasing the amount of debt each month to credit bureaus despite the account being closed. They lender is reporting inaccurate data to credit bureaus monthly. The lender flags the account monthly to credit bureaus despite the account being closed in 2020. The lender is violating every single FCRA law and needs to be penalized for such offenses.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (MS)

In Accordance with the fair credit reporting act XXXX Account number 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.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I opened a conventional mortgage in XXXX on my condo which was appraised at {$84000.00}, and the initial mortgage balance was {$69000.00}. Carrington Mortgage Services LLC is my mortgage servicer. I had to pay PMI of {$10.00}. 

Since then, I have paid down a significant portion of my mortgage, and the value of the property has also risen during this time. I have also maintained current on my mortgage payments and I have not been late. I have asked the mortgage servicer why they will not remove PMI from my property, and they told me that it will be a part of my mortgage for " at least five years ''. 

I do have a second lien on my property for 5 years from the City of XXXX for a downpayment assistance program. I qualified for {$15000.00} in downpayment assistance, and with the passing of each calendar year, the lien is reduced by {$3000.00}. Next summer, in XXXX, the second lien is no longer valid. 

However, I thought that PMI would automatically fall off once the % reaches a certain threshhold, and I am sure that I am at or below that threshhold. I am attaching a current mortgage statement as well as a copy of the original appraisal.
Consumer complaint received 2023-12-08
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from TransUnion & XXXX told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.
Consumer complaint received 2024-02-27
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: LEXISNEXIS (MI)

Lexis Nexis has allowed XXXXXXXX XXXX  to access my information repeatedly for years. I am not only a victim of identity theft and have all of my credit reports frozen with a notice stated on them INCLUDING a Lexis Nexis freeze which they have failed to put on, but also I'm a victim of a violent crime and part of the Michigan Attorney General address protection program. Allowing companies like this to not only report false information but easily access my location or personal information could be a XXXX XXXX for me.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (IL)

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed 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 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 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 2015-07-14
Product: Credit card — 
Issue: Privacy — 
Company: Consumer Defense Group, LLC (CA)

I was called by the telemarketer who had my name, address, and telephone number, and the last four digits of my XXXX XXXX number. The company is Consumer Defense Group in XXXX Florida. I asked how they acquired my personal information. They claimed that I had asked the company to help me reduce my credit card rates. I know this to be patently untrue. I am very careful with my credit, I pay all charges at the end of the month and carry no balance. I would have no reason to try to reduce my XXXX XXXX credit card rate, nor any other existing consumer credit rate. I asked the company to disclose who provided them with my contact information and account number. At first they tried to imply it was XXXX XXXX, when I challenged this, they said they did n't know. At this point XXXX XXXX, a manager, got on the phone and tried to assure me that everything was legal. I asked him why they would not provide the source of my personal information. He refused. He told me he had an A+ rating at the Better Business Bureau and that he was an up and up business. I challenge that assessment, as his telemarketing call was in violation of federal do not call laws and that his refusal to give me the information about his source of my private financial data was a great cause of concern to me. At this point, he said have a great day and hung up. The phone number they used to contact me is area code XXXX. While this company puts up the veneer of respectability, one has to be concerned that at some point they may be using private personal information unethically. I make this assertion on the basis that it appears they 're violating federal telemarketing laws, and they may be inappropriately receiving personal financial data. It is not a big logical leap to worry that their ethics may be compromised.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This is regarding an existing issue with XXXX Experian and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements..

I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 
According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.