davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
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)

This is my several 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX **** Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (IL)

These companies stole money out of my checking account with Alliant Credit Union on XXXX XXXX XXXX I did NOT authorize them and they need to be held accountable. The company information is as follows along with how much they each stole from me : XXXX XXXX  XXXX XXXX XXXX XXXX Stolen from me : {$270.00} {$1000.00} {$700.00} Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Stolen from me : {$980.00} Phone number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Stolen from me : {$450.00} {$630.00} Phone Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Stolen from me : {$650.00} {$200.00} Phone Number : XXXX XXXXXXXX XXXX XXXX Stolen from me : {$190.00} Phone Number : XXXX XXXX XXXX Stolen from me : {$680.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX XXXX  Stolen from me : {$330.00} {$170.00} {$250.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX Stolen from me : {$600.00} Phone Number : XXXX
Consumer complaint received 2023-08-16
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. (FL)

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

XXXX XX/XX/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
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I was applying for a credit card thru XXXX XXXX XXXX and i did get the c.c .However the agent asked if i was paying a mortgage & i said yes for 10 years. the agent said i may want to contact my mortgage co. because they have not reported it to the credit bureaus! I called numerous times and each time Nationstar employees gave me another dept. to call. The last call was supposely their bankruptcy dept., phone # XXXX XXXX XXXX. I spoke with XXXX and she was confused because they were a law firm that did do some work for Nationstar but was NOT their bankruptcy dept.! She did say that they have had similar calls from other people thinking that they were Nationstar Bankruptcy Dept.! 
I just want my payments to be reported to the credit bureaus but can not contact anyone to even report this to!!!! I am very aggravated.
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (GA)

I've disputed this debt multiple times with the credit bureaus but these people continue to report on my credit report and when I dispute that they do not own the debt and shouldn't be reporting on my credit report they only respond the debt is valid. The point is they do not have the right to report on my credit report because they do not own the debt. According to XXXX XXXX XXXX they are still the owner of this debt. It has been assigned to an outside collections agency but since they are not the owner, they are not reporting any information to the credit bureaus.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nationwide Arbitration Services LLC (CA)

Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. 

They also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. 

I did contact the original company where I took out the loan to work out a payment plan. 

I would like to know how they got all of my information ... including my Mom 's phone number.
Consumer complaint received 2020-11-14
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: BARCLAYS BANK DELAWARE (ID)

I was sent a credit card opened in my name for Wyndham Rewards that I did not apply for. I called the company back and informed them I did not open a credit card account with them and they needed to close the account. I cut up the card and sent it back to them. I continued receiving bills for {$0.00} balance on that card and the account is still open. I contacted them again XX/XX/20 and was on the phone for several hours only to just get the run around and they claim that account does not exist for my birth date. Someone in the Wyndham company is getting cards using some of their members information that attend their meetings during their vacation. This is a corrupt business and it should be stopped and all of the employees need to go to jail and pay restitution to all of its members that have been held hostage to their contract only to find out that their personal information is being traded and compromised.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 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.

15U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (WA)

I assumed I opened successfully an online High Yield Savings account with XXXX XXXX an online division of Key Bank. Then this account was abruptly restricted without explanation. I went into a Key Bank branch in XXXX, WA to seek answers. I was told they were having trouble identifying me. I was asked to provide FULL TAX RETURNS for 2 years, my State issued identification and to see my actual Social Security card, all of which I provided. I visited the bank several times and spoke with a banker and the branch XXXXanager. They seemed to believe I am who I say I am but their fraud department after initially clearing me, turned around and denied the account. Not XXXX person from the Key Bank XXXX department has reached out to me to provide an explanation or insight into why they are having trouble identifying me. The branch XXXX has said they have tried to no avail to get a response from the fraud department as to why they continue to deny my account.
Consumer complaint received 2023-08-16
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (TX)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2021-03-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Violation of 15 USC 1692 Validation of a debt ( a ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( c ) *Stop reporting my information to XXXX , XXXX , XXXX whom are 3rd parties. 

15 USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.

( b ) Opt out *Stop/Dont ever again report any information to a credit bureau/3rd party *The securities interest in my contract says the truck was already paid for? Im requesting a G.A.A.P. Audit of the funds loaned to me under this contract. 

Who is the original creditor? 

Respond to my full affidavit that has been sent 2x to Credit Acceptance
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I respectfully request that this collection be immediately removed from my credit. I was not aware of this collection until I was checking my credit report on XX/XX/XXXX and noticed the collection placed on XX/XX/XXXX for {$550.00} on my credit. I called the collection company on XX/XX/XXXX and asked about the collection. They told me that it was related to an unpaid balance for Auto Insurance with XXXX. I explained that I switched Auto Insurance companies a year before and I was not aware of any amounts pending. The collection lady was very friendly and mentioned that sometimes auto insurance companies add penalties or get rid of discounts when one does not notify the insurance company of the change of insurance, so I decided to pay the reduced amount. I've been expecting the collection to be removed from my credit report, first because I was not aware of the allege debt, did not receive a warning of collection and was not given the chance to dispute or validate the debt and second because I paid the reduced amount suggested by the collection lady. I had an expectation that the collection would be removed by now since it was not properly addressed either by XXXX not by the collection company ( except for the fact that the collection lady was very friendly and offered the settlement ). Notwithstanding the above, I wish to state for the record that I paid this settlement offer to clear my credit report and not because I owed any money and because I though the derogatory mark would be removed from my credit. As I understand the Fair Credit Collection Act, in cases where the consumer is not given a change to validate or dispute the allege debt, the collection should be removed. I should have probably dispute the debt first but the collection lady was so friendly that I thought it would be removed if I paid it instead of disputing it.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services (PA)

I am XXXX  and have had my legal name changed over XXXX years. I started paying on my student loans in XXXX of XXXX and immediately uploaded the necessary documents requested by Edfinancial to have my name updated. It is XXXX of XXXX and they told me it would be changed in XXXX days. Its been XXXX  months now. My name is updated on all of my bank statements, social security card, etc. and Edfinancial is still issuing my loans to me under my birth name, which is also inaccurate for my credit reports and is starting to throw off my credit score. Please urge them to update my legal name especially since I have all the documentation to change my legal name uploaded.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

My name is XXXX XXXX. I am the sole successor trustee and successor-in-interest of the subject property of this complaint. The property is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed an application with the MO Homeowner Assistance Fund to assist me with reinstatement and my application was denied. I have applied for mortgage assistance with Select Portfolio Servicing. I recently was informed that the servicer contacted an unauthorized third party and discussed the status of my mortgage account. Since I am the sole third party listed, this is a CFPB violation and also a HIPPA violation of my privacy rights. My sister, XXXX XXXX was contacted today, XX/XX/2022 between XXXX and XXXX PST and was advised that the property was in foreclosure and was going to trustee sale in XXXX. Select Portfolio Servicing had no right to share or disclose information on this account to XXXX who is not authorized on this account. 

Once I submit an application ( RMA ) for assistance, it was my understanding that the foreclosure sale date is to be placed on hold while the application is under review. I would like to know what my recourse is based up on this blatant violation of my privacy rights.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX XXXX has indicated on my credit report that I was 60 days late. No, I one again was not late XXXX was in litigation with them because they charged me for a product I never received. By the way, I won this complaint.
Consumer complaint received 2022-06-10
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. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2018-10-17
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. (IL)

I have requested that these fraudulent accounts that was open in my name to be removed along with the addresses that I never lived at. I never once applied for these accounts online nor have I sent in any applications. Two accounts from XXXX XXXX, One account from XXXX XXXX XXXX. These two address XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX.
Consumer complaint received 2023-08-16
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)

This is one of 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 records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXXXXXX. Please remove these account immediately.
Consumer complaint received 2018-04-25
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: EQUIFAX, INC. (TX)

i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.