davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (AR)

I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$240.00} WE XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.
Consumer complaint received 2021-04-23
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. (OH)

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2021-04-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (AL)

Complaining about the house on XXXX XXXX XXXX XXXX Alabama XXXX the reverse mortgage NOVAD has refused to issue the money to repair the roof that was damage last year storm the insurance sent a check with MS XXXX XXXX and NOVAD name on the check therefore MS XXXX was unable to cash the check the check was sent back to NOVAD so they would remove their name NOVAD from the check this was not done Presently the house is leaking each rain fall the insurance can not do anything because they already issue a check and NOVAD is holding the check claim number XXXX XXXX XXXX is the owner the insurance is XXXX contact person XXXX XXXX phone XXXX this is an EMERGENCY please advise
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXX  of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Consumer complaint received 2021-04-23
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: ZIONS BANCORPORATION (CA)

My XXXX credit report was accessed on XX/XX/2020 as indicated by a hard credit inquiry by XXXX XXXX XXXX. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2021-04-23
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. (GA)

I have sent a dispute letter to the three credit bureaus ( Transunion, XXXX, XXXX ) XXXX & XXXX  has not responded My 1st dispute letter was sent XX/XX/20 They still have not removed nor responded to the items I have asked to be removed off my credit report.
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account numberXXXX has violated my rights. Or 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 2021-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Although I made regular payments for a year and a half, Portfolio Recovey would not negotiate a settlement. When I tried to set up a payment plan, they refused any form of payment except getting my bank account number. I have since increased my payments, but thy did not send me a record of the last delinquent date XXXX XX/XX/XXXX ) in writing as they said they would. When I disputed this account being on my credit report for over seven years, Portfolio Recovery gave the credit reporting agency, XXXX, updated data which extended the credit reporting date to XXXX. Portfolio Recovery did not notify me about the data. I believe they are using unfair practices to get me to pay, which I have always been willing to do.
Consumer complaint received 2017-07-17
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. (TX)

I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  - XX/XX/XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XX/XX/2022 a check in the amount of {$20000.00} was mail to my address but not delivered due to some missed information. In XXXX I received a letter stating that due to me not excepting the loan it was now expired. I checked my credit months later and there was late payments showing on my credit report, so I contacted PenFed they said it was an oversight and they will take care of it. In XXXX I received a letter stating that on XX/XX/2022 the issue will take 30 to clear. As XX/XX/2022 there is no change.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (MI)

As a XXXX year old, XXXX XXXX veteran of the XXXX era, XXXX  XXXX ( can't see out of XXXX XXXX  and barely able to XXXX  out of the other ) it has become unbearable to continue to fight the enemy. The enemy is Discover Financial Services of Delaware and their allies the debt collectors operating with complete impunity because they are licensed State of Michigan Lawyers operating under the name of XXXX & XXXX, XXXX. This situation goes back to XXXX when I signed an application for a Discover Card from the then XXXX XXXX XXXX XXXX Over 17 name and changeovers Discover Financial took a {$10000.00} debt and has made it over {$30000.00}. Their debt collectors have denied me the right to make installment payments. Did I mention this account goes back to XXXX. This debt was in my name only and just a few of the legal bullying incidents include : A judgement which was blunted because my attorney, me, didn't realize you can't subpoena Discover 's contract owners because they were out of state. So representing myself Pro Per or Se I attempted to reconcile the court case. Discover is a XXXX dollar company with unlimited assets and their representatives have filed over 1,600 cases in the XXXX. District Court, so yea, they won, win, and keep winning in spite of 1 ) Placing illegal Judgement Liens on my ex-wife 's real property in XXXX, XXXX and XXXX. All that in spite of laws that call such actions illegal, immoral.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single XXXX XXXX number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate and make necessary corrections to my credit report XXXX I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-23
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: Endpoint Resolution Services (ERS) (CA)

EndPoint Resolution Servcies, LLC located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX. XXXX, XXXX.
Consumer complaint received 2021-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CO)

Received notification of collection efforts. Collection showed up on my credit report. Lots of phone calls received. Spoke with the collection company ( Ad Astra ) who said I owed {$4100.00} and was over 180 days late with XXXX  XXXX. I never took out a loan with them. Plus the amount is huge - these types of loans are usually {$500.00} or less, arent they? Now trying to figure out how to get this false collection removed from credit reports.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OR)

Binance.US is holding my money hostage and will not allow me to access my funds. They are conducting fraudulent activity and manipulating the XXXX XXXX by allowing big money investors to buy in while they freeze the accounts of many small retail traders and hold onto peoples money for months on end while the asset is tanking and costing people to lose their entire life savings. There are many complaints about this very issue online and on XXXX and many other chat groups and no one is doing anything about it. Binance is one of the richest companies on Earth right now and they are conducting some shady activity that's only affecting us smaller retail traders. This is market manipulation at best and illegal/criminal activity at worse. Either way this XXXX is wrong, and they're costing a lot of stress and damages in peoples lives and no one is doing anything about it.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

A collection company contacted me about a debt that I do not owe. They sent an email that I accidentally discovered when browsing my email spam folder. 

I immediately replied via certified US Post to notify the collection company that I do not owe the debt, that the debt is disputed, not to call me or email me and to only contact me at my postal address in writing, and asked them to provide any documentation that they believe proves I owe this debt. 

I got no reply in writing. 

In spite of my written request otherwise, someone claiming to represent the debt collector phoned me and left a voicemail threatening a summary judgement against me. 

There are thousands of complaints in the CFPB database against this particular collection company. 

I believe that the debt collector ignored my letter ( for which I have proof of delivery ), illegally contacted me by phone after I instructed them to only contact me in writing at my postal address, and is still in the process of seeking a judgement against me for a debt that I do not owe. 

Rather than wait until I have to dispute an illegally obtained summary judgement, I am asking the CFPB to force this collection company to acknowledge my request to provide proof of the debt or quit.
Consumer complaint received 2021-04-23
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: CORELOGIC INC (FL)

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and Credeco/ XXXX XXXX
Consumer complaint received 2020-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

According to my XXXX XXXX Account ... Capital One made a " Hard Inquiry '' sometime between the dates of XX/XX/19 - XX/XX/19. 
Ive never given them my personal Information or have I ever done business with them. 
I would like this Inquiry removed from my credit report