davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (TX)

This is my 2nd 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2024-03-28
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. (NC)

I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( XXXX, transunion, XXXX ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Conn's, Inc. (GA)

I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them.

I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX  why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX  does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's.

The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks.

I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls.

Employee XXXX  initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX  relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no.

I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. 
Please help.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (MI)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit
Consumer complaint received 2024-03-28
Product: Credit reporting 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)

I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : 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
Consumer complaint received 2024-03-28
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. (IA)

I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2023-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAP ONE NA ran an unauthorized hard credit check on my account on XXXX XXXX XXXX ran an unauthorized hard credit check on my account on XXXX XXXX XXXX is attempting to collect on a payday loan which is illegal in the state of Illinois.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a mistake depositing a {$10000.00} check that was sent to me from my brother. We didn't know it was a sample check and not supposed to be used. Bank of America withdrew {$10000.00} from my brother 's bank account but never deposited it into my account. It's been over 3 months since they got the money. We have called them several times but never had an answer to when they are going to return the money to me or my brother. That is a lot of money and we really need it for our daily expenses. Please return the money to us.
Consumer complaint received 2022-12-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (GA)

Contacted ADVANCE RESOLUTION SERVICES requested a full file disclosure, extended fraud alert, consumer statement, security freeze. Company has refused all of my request log # XXXX File # XXXX. Last contact XX/XX/2022 and XX/XX/2022. Put company on notice that I am a victim of Identity Theft.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP THANK YOU
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the student loan accounts XXXX XXXX XXXX XXXX -  XXXX, XXXX XXXX with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One mailed me a offer XXXX XXXX if i spend {$6000.00} in 3 months i would get a {$700.00} cash reward. i did spend that amount so i called to check on my {$70000.00} reward, in XX/XX/2023 again in XX/XX/2023, they told me they gave me a alternative card so i wouldn't get the rewards.. i did not give them permission to just Change my card to a different card. i want my rewards, they refused to give me what is due, what i have in writing on the ad they sent to me. i can send you a pict of it if i need to..
Consumer complaint received 2022-12-22
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. (CA)

The credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$2300.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-12-22
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File as soon as possible.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I applied for a modification with Nation star mortgage since XXXX 2015, but unfortunately no modification was approve even do. I show more income in application and the current loan is interest only, with a rate and payment increase in the following months. I believe Nation star Mortgage is not practicing fair business with me.
Consumer complaint received 2024-03-28
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can't furnish an account without my written instructions.
Consumer complaint received 2022-12-22
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. (CA)

Consider this a follow-up request to my earlier request last time. 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 Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (NC)

XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice.