davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian changed my name on my profile from XXXX XXXX XXXX to XXXX XXXX without my consent and I sent a copy of my social security card and Id already on my driver 's license and it says XXXX XXXX XXXX they keep changing it to verify and validate a debt I am one person not two people then once you remove it remove everything else from my credit report that that says XXXX XXXX warning by messing with my name you are in violation and are commiting identity theft
Consumer complaint received 2023-05-28
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: Affirm Holdings, Inc (GA)

Im a victim of identity theft. Ive reported numerous times and has freezes place on all 3 credit bureau. However Affirm is still reporting false information to XXXX. Fraudulent accounts charge off that does not belong to me. I have disputed this account over 3 times I have filed police report and FTC report and signed affidavit with Affirm stating this is a Fraudulent account. Affirm keeps reporting this account is accurate and Im responsible for account. This is not my account. The affirm account change off amount is {$2200.00} date XX/XX/2022 2022
Consumer complaint received 2024-03-29
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (MN)

On XX/XX/XXXX I activated a NetSpend all access account routing number XXXX account number XXXX I deposited XXXX cash I paid XXXX for a cellphone I made a credit card payment of XXXX I received statement from my bank thanking me for payment then I received phone call saying payment was NSF I contacted NETSPEND I was told there was 5 other changes some foXXXX XXXX XXXX XXXX XXXX I stated I didn't make those changes I requested itemized statement of charges who made them and delivery instructions and addresses any phone numbers I have received nothing and will not take my calls I emailed a complaint to president of company I need the details so I can know if I have a identity thief problem or there employee just wanted extra money for the holidays I will lose my credit card because of there mis handling of my money and probably credit report damage bank name XXXX, XXXX
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

An individual unknown to us obtained check # XXXX in the U.S. Mail and forged the payee name on the check to themselves, forged the signature and got paid from JP Morgan Chase on XXXX separate instances with the same check : once on XX/XX/2022 ( {$12000.00} ) and again on XX/XX/2022 ( {$12000.00} ) for a total of {$25000.00}. We discovered the fraud on XX/XX/2022 when we received our bank statement in the mail and reported it to Chase immediately by phone and in person at our local branch. We were instructed to obtain a police report and the claim was submitted to the bank 's fraud department. Chase returned to us the money that was taken on XX/XX/2022 but denied returning the money taken in XXXX, citing their policy that such claims must be made within 30 days of discovery of the fraud. We didn't discover the fraud until XXXX. As we receive our bank statements in the mail, we evidently did not receive the XXXX statement as it was probably lost in the mail. Had we received the statement we would of course would have reported this theft as we did in XXXX. We filed complaints with the executive offices at Chase and they denied returning the first {$12000.00} even though they paid out on the same exact check, on XXXX different occasions, even with the same check number.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I am a victim of identity fraud. Someone have used my personal information to open several accounts including this particular account. I reside in New Jersey and someone attempted to lease an apartment with my information in Texas which left a debt of {$120.00} resulting it to place on my credit report. This has cause major problems for me. Ive received collection letters but they were not addressed to the right address instead its an address to houses away which should become obvious that this is not my account. Ive also disputed this matter several times leading to no results besides still asking me to pay this debt.
Consumer complaint received 2023-05-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Several attempts have been made to clear this debt that this company has listed as opened and past due car was totaled out and repossessed by insurance and gap insurance coverage and company has refused to close making negative marks on my credit since 2019
Consumer complaint received 2022-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I opened up this original line of credit at or about XXXX from the original creditor XXXX XX/XX/XXXXdba XXXX XXXX. I opened it as the XXXX  of a California XXXX called XXXX XXXX XXXX, not as an individual. My corporation settled the debt with XXXX credit in the middle of XXXX for 50 % of the original amount for approximately {$18000.00}. The debt buyer, Midland Credit Management, bought an invalid debt.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection at Law, Inc. A.P.C. (CA)

I wanted to open a checking account with XXXX, but it was denied. the XXXX bank gave me a letter stating that i had to contact the Bureaus. that is when i decided to check my credit and it had dropped from being at XXXX XXXX, XXXX XXXX, XXXX XXXX to the XXXX 's I called the Bureaus in regards to my credit report being a Victim of Identiy theft, they requested a Police Report, Which i did fax over. Asking them to fix my credit report and restore my Scores back .. i have not being helped. this issue is keeping me from having a Normal life. I Need Help Please. Thank You ..
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (MN)

I manage the admin for our small consulting firm and we recently received a piece of mail from a company called " XXXX '' addressed to a former employee of ours underneath our firm name and address. I opened it, and it contains what looks to be a genuine credit card with the former employee 's name and a card number, it does n't look like one of those fake mocked up cards you get in solicitations. There is a sticker on the card that gives a phone number to call to activate the card, which offers ( it says ) a {$150000.00} line of credit. This was not a solicited offer, but it looks real and is so disingenuous, I wanted to bring it to your attention. On the piece of printed paper the card is attached to, it states the following sort of statements : " You have been selected for a business line of credit of {$150000.00}. Activate Your Card Now. '' " Here is your new XXXX XXXX Premium Platinum card '' - and then goes into steps you can take to activate the card. 
On the rear of the sheet of paper, in small print it states, " This is not an offer of credit. XXXX reserves the right to verify your financial information and confirm your credit worthiness in its sole discretion. This will include, but is not limited, verifying banking and trade relationships and obtaining credit reports. XXXX Fraud Program protects the owner of this business. '' I worry that there are vulnerable, susceptible people who may get solicitation like this and act on them, so wanted to bring it to your attention. The phone number to activate the card is listed as XXXX.
Consumer complaint received 2023-06-22
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. (FL)

im an id theft victim. These accounts are not mine, XXXX XXXX BANK {$5600.00} XXXX # NA XXXX XXXX BANK {$6800.00} Authorized user XXXX # NA
Consumer complaint received 2023-05-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

Payment was made on the due date to refinance loan they accepted the money process not explained thoroughly interest rate hiked to 209 %. I am XXXX and struggle to continue paying this note while it isnt laying down any at all. Refinance was to ensure additional extension of originating contract and told would be due XX/XX/XXXX for the finance charge. Consumer then after accepting payment online didnt renew loan as agreed and demands payment in 30 days for XXXX not what was explained nor notified before merchant accepted my payment. Requesting my account be paid in full by consumer whom also data breached my information as well as did not follow through with contractual agreement per the lender and continues to charge full amount plus raised interest in unbearable 209 % not agreed upon. I wish to have the merchant agree to return my title and agree to sign off on my loan as paid as agreed as a base to settle data breach and not continue be able to charge an over excessive amount of interest that isnt obtainable by someone XXXX and not currently able to work. I also have XXXX XXXX children needing to get to and from hospitals as well as myself for procedures that may be life threatening if I cant get there by way they threaten to repossess vehicle when I made my payment on time!
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. 
Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. 
It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2023-05-28
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: Resurgent Capital Services L.P. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request. 
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans
Consumer complaint received 2023-05-28
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: LEXISNEXIS (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX, XXXX XXXX- {$1400.00}, XXXX- {$2900.00}, XXXX- {$640.00}, XXXX XXXX- {$330.00}, XXXX- {$350.00}, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XX/XX/1988 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-11-26
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. (FL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2022-11-30
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, H ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.