davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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 2023-06-29
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. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 30 days
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase XXXX XXXX Card which is advertised as a travel card. I have had this card for ~4 years now and have extensively used the card. I continue to be in good standing with the card, paying the dues on time. On XX/XX/XXXX, I tried making a reservation for a flight in XXXX for {$210.00} but Chase rejected this transaction. At this time, I have over {$15000.00} in available credit limit. I called Chase and they stated that they have locked my account, however they refused to explain why the account was locked and asked me to call another day. They also sent me a text message requesting me to confirm that the transaction was indeed mine. I immediately responded confirming that the transaction was indeed mine. The transaction however continued to be rejected. I am an avid traveler and an XXXX, this behavior is clearly xenophobic targeting transactions in a particular region and not aligned with the expectations of an travel card.
Consumer complaint received 2016-03-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Cooper Hoffman Klein Associates (AL)

I received a payday loan from XXXX in XXXX. I was under the impression that they took the funds from account. However early in the year of XXXX my mom was contacted stating that a company had a warrant out for my arrest if I did not contact them. So I contacted the company handling the situation for XXXX XXXX. I told them I never performed any fraud and that XXXX had their money. They explained that they did n't and thatvi needed to pay ASAP. I informed them of the amount that I was able. The company stated that was not acceptable. I did pay them XXXX $ towards the debt. But they contacted all my references that I used and them that I performed fraudalant activities and was facing jail time. They call my phone at least XXXX to 30 times each day back to back. This almost cost me to lose my job.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (PA)

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX  XXXX and XXXX. Please remove all from my credit report.
Consumer complaint received 2021-03-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc. (MS)

Good Afternoon, I was contacted by Tower Loan XXXX XXXX Mississippi stating I owed an old debt because a bankruptcy was dismissed. She said my Name is XXXX may I speak with XXXX XXXX I replied this is he she stated this is XXXX with Tower loan we have a balance here of $ XXXX. *** and if you dont pay me today we will take you to court. How would you like to pay this. A little shocked I replied XXXX  monthly and got off the phone. I called back and explained she broke the law by threatening these sections and why did she do it. I then asked for a letter explaining all of the above including why the account was reported as closed on my credit report. I need help with this.
Consumer complaint received 2021-03-10
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. (FL)

I notified TransUnion about inaccurate information on my credit report. To date, now 45+ days, they have failed to send me any notification about the status of my requests to verify and/or remove the inaccurate information.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (PA)

Credit Collection/USA showing on credit report # XXXX I recently found out regarding this collection is still on my credit report. I disputed this account several months ago when I first saw it on my credit monitoring because I thought it was fraud, ID theft or another error on their part. I always pay my bills on time and I have good insurance so I assumed by disputing it that it was corrected but it is still reporting with all 3 credit bureaus. If I had received a bill I would have surely paid it easily which is why I thought it was fraud, ID theft or another error on their part-I NEVER received a bill. I always pay my bills on time which is reflective of my credit but I just applied for a mortgage and just found out that this debt is still showing on my credit. My lender notified me that this is impacting my ability to obtain a mortgage. Again If I would have received a bill or notice I would have gladly paid the {$83.00}
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MI)

Collection company called from XXXX regarding 2003 debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.
Consumer complaint received 2023-05-12
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my XXXX XXXX, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial.

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. MSDHS Division of Child Support is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury. 

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support. 

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have made contact with the CFTC and SEC and they have raised a complaint ticket for me. 

I have also contacted a law firm. 

Ive repeatedly asked you to help me but you have promised escalation 6 times yet not done anything. Youve just been delaying things and your customer service is appalling. 

My litecoin is sat in the wrong address due to you having a mobile upgrade and technical issues on XX/XX/21. This was well documented on social media. Ive been advised by crypto experts in this field that only you can recover my ltc assets for me as you own the private keys. 

Further my lawyer has told me to make you aware that I will be holding you liable for the price fluctuations that go against me by allowing me to be without my assets for over 3 weeks. This is know as conversion theft. The longer you allow this to continue the larger and larger the claim for damages is growing. At this stage I want to simply resolve matters without involving external agencies or ligation but time is running out. 

You have made me suffer and mentally tortured me over fears of losing my life savings for something you could have sorted this out so quickly. 

I have emailed you multiple times and have reached out on XXXX support but you have nothing once responded and tried escalated matters for me. 

I urge you to do the right thing and deal with this immediately this is your last opportunity.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC. (CA)

XXXX car rental sent me a letter notifying that I had a truck rental that was not returned in XX/XX/2023. When I saw this notification I immediately outreached to XXXX to let them know that I had not rented a truck and had never been in their store, the manager acknowledged the concern. I had some other identity theft issues the same month so I filed for a police report while waiting for next steps from XXXX. A few weeks later I received a bill that noted that I had some outstanding fees upon return of the truck rental. Again I contacted XXXX and they noted that they would outreach to corporate to let them know. And again acknowledged my fraud case. Then in XXXX, I received another bill from XXXX, again I contacted XXXX where they acknowledged my fraud case and notes that they would send to corporate and not to worry. I sent an email to the employee with the police report and left it at that. Then end of XXXX I received a notice for collections, I outreached to the agency to tell them the issue and they noted that XXXX sent over 5 invoices that I owed, for the issue to stop I would need to outreach to XXXX again to let them know again so that the root cause would be fixed. So then I outreached to the last employee I spoke to and he noted I needed to outreach to the district manager and gave me a phone number. I tried calling the number and there was no voicemail or time that they would be available. Unsure of what to do next as Ive outreached to XXXX multiple times regarding a fraud and identity theft where they are acknowledging yet still are pursuing my collections and payment wrongfully.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (WI)

Credit Karma website advertises that I am prequalified for almost all the credit cards listed on there. When I tried to obtain one, I was denied and no reason was provided as to why that was. That hurt my XXXX XXXX in turn.
Consumer complaint received 2024-03-22
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. (SC)

As a consumer, Transunion has violated my federally protected consumer rights under the Fair Credit Reporting Act. After multiple requests to delete negative accounts, Transunion continues to violate my consumer rights. I did not give Transunion my written permission or instructions to furnish the below negative accounts on my consumer report. I have requested documentary proofs giving only Transunion my written permission or instructions to furnish the below negative accounts on my consumer report, which Transunion never provided to me. According to the Fair Credit Reporting Act, 15 US Code 1681 states that I have a right to privacy and confidentiality. 15 US Code 1681 also states that a consumer reporting agency can not furnish an account without my written permission and instructions. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please see attached...
Consumer complaint received 2021-03-11
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)

In 2020 I noticed a public record bankruptcy on my transunion report, I disputed this information and within days it came back as verified. I asked for a proper re-investigation into it and proof of who they contacted, who they talked to and how it was verified ( documents, proof with my ssn etc. well it came back again only saying updated never received reasons. So I contacted the court that shows up on the report. They could not locate a record of such under my name and social. So I contacted XXXX witch is a third party reporter for public records. They sent me a document showing it was deleted from my profile. As the other credit bureaus deleted because there are errors which contain a name that is very similar to mine out of XXXX XXXX.
Consumer complaint received 2021-03-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XX/XX/2021 I paid off the loan for the XXXX. The bank sent the title to the XXXX address instead of my mailing address. Now they said they would send a lean release because the title was lost. Im going to have to travel to another city to get the title and pay for there mistake plus pay for someone to take me to that place. The US mail told me that they return undeliverable mail back to the sender. Help if you all can. Im in no hurry. Thanks
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates, LLC keeps putting inaccurate information on my XXXX and XXXX reports. I never had this debt with this company and I am prevented from getting credit due to a low credit score. The company sent me a letter stating that they are unable to collect on the debt because it is too old.
Consumer complaint received 2021-03-11
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. (NV)

On my credit files, there's a closed account for XXXX - XXXX XXXX with a balance of {$660.00} and opened on XX/XX/XXXX that doesn't belong to me. I've sent letter disputes to the credit bureaus sometime between XXXX and XX/XX/XXXX and resolution of the matter is either delayed or isn't being worked on. The account is damaging my credit rating and doesn't even belong to me.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

I sent a debt validation letter 2 account of times on the XX/XX/2021 and XX/XX/2021 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my clients file and cease all collection activities immediately.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP (OR)

My credit report showed a derogatory remark of about {$4000.00} to XXXX XXXX. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call Mandarich Law Firm at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. 
Today XXXXMandarich called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on XXXX XXXX. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.