davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone has stolen my identity. I have never done business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one has provided me validation of these accounts. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately.

ACCOUNT ACCOUNT # ___________________ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (NY)

In XXXX  XXXX XXXX and Allied Collection of California report that l owe {$1100.00} for rent deposit and the same year they cashed a check of $ 1,166.after the amount was paid, for repair they report to the credit bureau that l owe {$2100.00} and the amount continuing go up and right now the debts is in collection for {$5200.00}. 
I dont know what is this debts is and they refuse to tell us.What is this debts. 
I want that Allied Collection of California be investigate
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TX)

Just after purchasing a new home, I needed funds for expenses. I received a pre-approved loan offer in the mail from AF247. It promised flexible repayment terms. It has been nothing more than a nightmare since receiving the loan. The biweekly payments are {$700.00}. Yes, {$1400.00} per month. I am not able to make the payments any longer. I have tried to repay the loan and when large payments are made on the loan, nothing is going toward the principal balance. It's all interest, interest, interest!!! 
On XX/XX/XXXX I refinanced the loan to a total of balance of {$2500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$300.00}. I have paid a total of {$3300.00} and todays balance is more than I originally borrowed. The balance as of today is {$2700.00}. I do not have the ability to continue making payments on this loan. 
Please provide legal assistance to stop collection efforts from going any further. I don't think this lender is approved for TX or an ethical lender. They should be stopped from any further lending transactions at this rate of interest. 
Just after making the loan, I tried to cancel within three days. I was told the cancellation did not apply to TX residents. There are so many different company names and addresses on the their documents, you really don't know who to contact???
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Student Debt Advisory Corp. (OH)

XXXX XXXX XXXX told me they were taking over my loan because I am a XXXX XXXXr in the XXXX repayment program. They told me not to deal with XXXX anymore. I paid them {$700.00} and I do n't have that kind of money. They directly lied to me. They stated they would be managing my loan.
Consumer complaint received 2021-03-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1XXXX XXXX XXXX XXXX NA with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$430.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

According to the federal law as stated by the FTC, and HJR-192, I am THE ORIGINAL CREDITOR. The following accounts have been disputed and have still been reporting illegally to my credit profile. 

By law!!!! None of these accounts can be Verified by a natural person of these entities. 

It is illegal to report and furnish my information, and is illegal to report deceptive and misleading information. 

***IC SYSTEM***, ***XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectors the law states that third party debt collectors do NOT have the rights to my federally protected consumer information, and they by law can not say I owe any debt. These corperation 's are in several violations by stating they have verified these alleged accounts. This is is false statement, and if not removed immediately..these corporations and the credit reporting agencies reporting these illegal accounts will face civil liability per 15 usc 1692k in the amount of {$1000.00} for ever violation found, to me the consumer as stated by federal law.

This is the last chance to cure as I will seek monetary relief for this harassment. 

**IC System** provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

XXXX XXXX XXXX XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

**XXXX  XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

THESE INQUIERS ARE UNAUTHORIZED **XXXX  XXXX XXXX ( Inquiry from XXXX XXXX ) ** ** XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX/XXXX XXXX  ( Inquiry from XX/XX/2020 ) ** **Coaf ( Inquiry from XX/XX/2020 ) ** XXXX XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX XXXX ( Inquiry from XX/XX/2020 ) ** The following personal information is incorrect and needs to be removed for proper and accurate correspondence. 

( XXXX XXXX XXXX XXXX, XXXX XXXX md, XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX )
Consumer complaint received 2021-03-08
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 was notified via Experian that a collection was placed on my credit report. The collection agency is XXXX XXXX XXXX, XXXX the original creditor is : XXXX XXXX. I have never had a XXXX XXXX account, and this is not my debt. I called XXXX XXXX and was told they tried to contact me at : XXXX XXXX XXXX XXXX, I have never lived at this address. The collection is in the amount of {$290.00}. This debt does not belong to me ; I would like it removed from my credit report and my score updated. XXXX XXXX also stated the debt was from XX/XX/2020. I have been using XXXX XXXX, and XXXX XXXX for the last 5-6 years. 

This collections debt has severely damaged my credit report at a time I was looking into refinancing my home.
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One Auto Finance Account closed on XX/XX/XXXX Reported balance {$11.00}, XXXX I had a XXXX XXXXXXXX XXXX with a payment of {$520.00} per month. I began having financial hardships and was not able to make full on time payments. I did offer to make most of the payment but I was told I needed a full payment. I used a cosigner for this loan. We both have the same name. I just want to be clear on who I am.
Consumer complaint received 2017-09-06
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. (NC)

A number of months ago I paid off a {$11000.00} balance on my XXXX XXXX XXXX. Transunion never reported the payment on my credit report. I submitted a request to Transunion to inquire/correct the balance. Instead, Transunion improperly deleted the entire account, adversely affecting my credit history by deleting the longest open account. They told me to ask the creditor to report the account to them. I did that and was told it was reported to Transunion, but the account remains unlisted. 
Also, XXXX sold all of it 's XXXX credit card accounts to XXXX XXXX XXXX, transferring balances. ALL the credit reporting agencies incorrectly report account history starting from date account was transferred from XXXX to XXXX instead of from start of XXXX account. In my case, XXXX was opened in XX/XX/XXXX and XXXX replaced it in XX/XX/XXXX, incorrectly deleting 7 years of open account history and adversely affecting credit scores.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Securus J Holdings, LLC (MI)

On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are XXXX  and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in Michigan 's XXXX  XXXX ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in Florida 's XXXX XXXX. I have attempted numerous calls to their customer service line ( which states they will provide support 24/7 ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. 

Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's XXXX XXXX compared to stamps for people in Michigan 's XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Full Circle Financial Services, LLC (MI)

I contacted XXXXXXXX XXXX XXXX, and told them I no longer wanted to work with them, because it was taking them to long to pay off my debt. They also, let some of my debt to be sold to a 3rd party. one debt that was owed was with XXXX XXXX XXXX XXXX which was sold to Full Circle Financial Services. I contacted Full Circle and told the person who answer the phone ( a Man ) and said that I wanted to Make a settlement on my account. I told him I was dropping XXXX XXXX and deal with them personally, he threaten not to work with me and said I should go back to XXXX XXXX. what is the different. I'm the one who is paying.
Consumer complaint received 2021-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, 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. (SC)

1. On XX/XX/2022, my identity was stolen and someone opened a credit card with XXXX XXXX Credit Card and maxed the card out using my information. I froze my credit after this occurred ( using online measures and calling the reporting companies ). This issue was resolved and I was deemed not responsible for the activity, at which time, all inquiries regarding the card were removed from all reporting agencies except TransUnion. I am requesting that both of these be removed from my credit report as quickly as possible. 

2. On XX/XX/2022, the same credit card company XXXX XXXX XXXX placed another inquiry on my credit report through TransUnion. This inquiry was not requested nor authorized by me. I have filed a police report for this incident in accordance with guidelines given to me on the phone by the TransUnion representative. I am requesting that this be removed from my credit report as quickly as possible.
Consumer complaint received 2021-03-08
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. (NJ)

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX 
DATE : XX/XX/2019 2019
Consumer complaint received 2021-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

This is the SECOND time you have requested authorization that I have already given! Please investigate my disputes and respond to them via US MAIL asap!! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-03-09
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: CORELOGIC INC (PA)

On XX/XX/2021, XXXX XXXX XXXX  VIA CREDCODS  add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (MO)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00}
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

Comenity bank allows their users to lock their cards. On XX/XX/2020 I locked my card and stopped any all recurring payments.On XX/XX/2020 I was charged {$34.00} and XX/XX/2020 I was charged {$64.00}. I had trust that Comenity 's system worked, so I did not know about these unauthorized charges until XX/XX/2020 when Comenity sent me an email stating that a technical issue unlocked my card. 
I confirmed that my card was unlocked and used. I reported this information to Comenity TWICE. Twice they opened a case for me and twice they have decided that they were not at fault. 
In retaliation, it seems like my credit limit was lowered to a limit of {$750.00}, even through I just paid off {$1000.00} on XX/XX/2020 and have never had a late payment with Comenity.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (GA)

1 year and 3 months ago I was charged with a {$300.00} medical bill that was supposed to be covered by XXXX XXXX ( XXXX XXXX ). 

I had been receiving harassing calls from Holloway Credit Solutions for about a year ; I had no idea it was for me because I had XXXX credit/debt. 

I tried contacting Holloway Credit Solutions 3 months ago to report that the debt was not mine. I was told that I'm stuck with the bill because XXXX XXXX did not pay my bill on time. The same bill that was forced upon me by XXXX XXXX. 

Also, Holloway Credit Solutions have the incorrect address for me on file for this collection. 

I spoke a week ago with someone at Holloway Credit Solutions ; asking for a written document stating that if I pay {$300.00} they'd delete from my report within 45 days. This was denied to me and now I cant even get the collection that isn't even mine off of my report without risk. they have destroyed my credit score.