davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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. (CA)

Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (PA)

On Friday, XX/XX/XXXX I received an email alerting me that I chose Milestone Mastercard and a card would be sent to me in 7-14 days. The issue is that I have never appliedfor a Milestone Mastercard. 

I first searched the company and tried to call them to alert them that I did not apply for the credit card, but upon calling the number I found through their website they prompted me to input my social security number. I did not input my SSN and tried to call the XXXX XXXX XXXX  which is the issuing bank on XX/XX/XXXX in the afternoon. 

The XXXX XXXX XXXX transferred me toGenesis FS Card Services , Inc. While on the phone with them they told me that I could either provide my SSN or would have to wait for the card to arrive in the mail.I did not give them my SSN. 

On Friday, XX/XX/XXXX, I checked my credit reporting and didn't see any hard inquiries. I also locked the XXXX and XXXX credit bureaus and froze my credit with XXXX. None of these credit bureaus had any inquiries or accounts associated with Milestone Mastercard or Genesis. 

The card arrived in the mail early in the week of XX/XX/XXXX, but I was out of town. In the mail the correspondence looked very similar to other credit card paperwork I have received. I did NOT activate the card, nor did I go to the website to activate the card. 

On Friday XX/XX/XXXX I called the XXXX XXXX XXXX again and was transferred to Genesis FS Card Services , Inc. where I attempted to close the account and get it marked as Fraudulent. As far as I can tell, based on the conversation they marked the account as Fraudulent, but weren't able to tell me if there was a balance on the card because I refused to give them my full address or SSN even though I did give them the card number. They also at different times said that they can't give me information on the account because it was marked as fraudulent. They told me that I would not receive anything in the mail to say that this account was marked as fraud and closed unless I went through www.identitytheft.gov and put my information there so they could match it in their system. I told them that as soon as a credit account is closed that I should receivewritten notice and that I believe it was them that actually opened the account and not an individual not related to their business. 

I have checked with the credit bureaus daily to see if there were any hard inquiries or updates to the accounts under my name and there are not. 

My belief is that Milestone Mastercard and Genesis FS Card Services , Inc. send out credit cards like this without an application and then consumers activate the card not knowing that they didn't even apply. I believe this is a shady and perhaps illegal business practice. There is nothing else to indicate that my identity was stolen and someone tried to apply for this card.
Consumer complaint received 2023-02-01
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: ENCORE CAPITAL GROUP INC. (TX)

Upon review of my credit report from all 3 credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate.

15 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions.

I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.
Consumer complaint received 2023-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

I received a bill for XX/XX/2023 student loan payment for private student loans held by Aspire Servicing. I paid the amount due on XX/XX/XXXX and specified the amount to be applied to each loan. I looked at my account and the payment was not applied to specified loans so I made another payment on XX/XX/XXXX and again specified the specific loans for payment. Aspire applied my payments to loans they no longer owned. My co-signers received a letter on August 28th that I was in default on my loans. However, I had made the payment twice for XXXX. I called and they said they would get the amounts paid moved towards the specified loans but will not send a letter to my loan co-signers that the original letter was sent in error. If I had not called, I would have received late fees and a report to the credit bureau. This has damaged the trust between my co-signers and myself.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please refer to complaint # XXXX-XXXX. It was corrected all of 10 ten days ago and they have XXXX  IT UP AGAIN!!! TransUnion is the only one of the three agencies that I continuously have this problem with. There has to be repercussions that are imposed on them or they will continue to XXXX with peoples lives.
Consumer complaint received 2023-02-13
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group (IL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-05-31
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. (TX)

In Accordance with the Fair act XXXX  XXXX Account # XXXX, has violated my rights/ 15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-06-14
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (MI)

I obtained a loan from Genesis Lending in XX/XX/XXXX to attend XXXX XXXX in XXXX, MI. After XXXX and obtaining a job, I began auto paying the {$99.00} payment each month and started saving so I could pay off this high interest loan. On XX/XX/XXXX, I paid the balance of {$2800.00} online and called the next day to speak to someone to verify that it was paid in full. I was informed that there was a balance of {$11.00}, but that that would be credited due to the balance being paid. I checked my bank account on XX/XX/XXXX and saw that they had taken the {$99.00} payment on XX/XX/XXXX even though the loan was paid off. I called and they were very rude and not at all helpful, informing me that it was my responsibility to go to my bank and dispute the charge or else send them a statement as proof that it came from my account. I informed them that I work during banking hours and I feel that it is their responsibility to fix their mistake and they can see that it came out of the same account that every other payment came from. I asked to speak to a supervisor XXXX times and was told she was having technical difficulties and unable to talk. After XXXX minutes, I was finally connected to a supervisor who told me that there was nothing she could do to correct their unlawful withdrawal of money that was not owed to them. I asked to speak to her supervisor and was informed that the account manager would not be in until the next day and would call me back. I never recieved a call from the account manager and am still waiting for this to be resolved. I believe that it is illegal to withdraw a payment on a loan that is paid off and very unprofessional to not do everything they can to fix this.
Consumer complaint received 2023-02-01
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: SANTANDER HOLDINGS USA, INC. (GA)

I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under XXXX. 
I notified you to cease and desist communication pursuant to 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested. 
The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress. 
Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in the banking system. 
I am suffering from emotional distress, anxiety, and fear, all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

Hello. I had an auto loan with Wells Fargo from XXXX XXXX XXXX  and heard of the Wells Fargo lawsuit and believe I maybe affected by this. I am military and moved from the original location of where I purchased my vehicle ( XXXX ). I am unsure of who to contact about this and was directed to you.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.C.S. Companies, Inc. I (PA)

XXXX XXXX activated two lines on a device that I had ported to another cellular service without my consent, then proceeded to charge me for both device and cellular lines even though I was no longer with the, and was with XXXX, they admitted it was entirely their mistake and that they had reported it to collections and therefore could do nothing about it The account number is XXXX and the XXXX account is XXXX Total {$270.00} for a disconnected XXXX  mobile plan ending in XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX XXXX XXXX has added fraud debt to my Credit reporting agency. This information is fraud and have not been validated. I have disputed this debt with XXXX XXXX and got no signed credit agreement showing my signature that I agreed to this debt. Midland has not sent me the signed credit agreement with my signature that I requested and by law when a account is in dispute no negative information is allowed to be on the consumer credit report. This debt was removed a while ago and no it has mysteriously ended back on my credit report.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX checks were deposited into my TD Bank account without my knowledge or authorization. The signatures on the back of the checks are a forgery of my signature. On XXXX XXXX, XXXX there were XXXX XXXX XXXX XXXX unauthorized ATM withdrawals from my account. On XXXX XXXX, XXXX there were three ( 3 XXXX unauthorized ATM withdrawals. There was also an unauthorized charge made at a XXXX store. TD Bank called me to report a possible illegal transaction. I confirmed with TD Bank by phone that the transactions were indeed fraudulent transactions. I had virtually no money in my account so therefore I should have had no activity. TD Bank can easily ascertain that the transactions were unusual for my account as they obviously presumed when TD Bank called me to report the unusual activity. I filed a Police report as soon as I received the telephone call from TD Bank alerting me to the fraud. TD Bank had carried a negative - {$2100.00} on my account for four ( 4 ) months. Then for several months I received bank statements and the negative- {$2100.00} did not appear. I recently settled a XXXX ' XXXX case. Once the settlement was deposited into my TD Bank account, TD Bank used " self help '' and debited my account for {$2100.00} ( XXXX offset ). This was the amount that was illegally obtained through their ATM machines. TD Bank, knew that I was a victim of fraud. TD Bank 's erroneous position that I am liable for the theft that TD Bank allowed to occur at their ATM machines is ridiculous. The XXXX detective informed me that the video at the ATM machines where the crimes were perpetrated clearly show that I am not the person at the ATM machine withdrawing the money.
Consumer complaint received 2023-06-14
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. (GA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
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. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.