davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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)

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
Consumer complaint received 2023-05-18
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 my Follow-up 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 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 Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Credit report shows a collection account from CBE Group collection agency stated I owe {$110.00} to XXXX XXXX. I've paid and close my account with XXXX XXXX. I do not owe them anything.CBE Group never sent me any verification that debt is mine
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Over the course of a few years I have contacted Wakefield And Associates about two debts ( {$2000.00} and {$1300.00} ) from the same day and company that are not mine. They refuse to to send me any information about the debt except to say it was for medical fees and from a company called XXXX XXXX XXXX but would not give me any way to contact them or identify which XXXX XXXX  XXXX is was because there are dozens of companies with that name. They admitted they had an improper address on file and changed the address but still would not send me any information or validation of the debt. I have requested it three times over the course of 3 years and most recently 60 days ago. They also keep updating the date of the debt despite no changes to make it appear more current and have more impact on my credit report. Wakefield and Associates also used the new address I gave them to request a letter of validation to validate the debt to my dispute with the credit agencies ( even though that's not possible since I only recently moved to that address )
Consumer complaint received 2020-09-30
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. (FL)

MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press Charges!
Consumer complaint received 2020-08-12
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MD)

I receive unemployment benefits from PA via US Bank Reliacard prepaid debit card. On XXXX XXXX, 2020, my card stopped working completely. Unsure of the reason why it stopped working, I called the customer service number that same day and was told that i needed to fax over 3 documents to verify my identity. Immediately, I gathered the paperwork and faxed it over that same day. I called on on XX/XX/2020 to confirm that my fax was received by US Bank and was told my fax was received and it would take 24-48 hours for processing. Needless to say, that 24-48 hour processing time has now been 3.5 weeks to no avail. Not only have I spent hours on the telephone mostly on hold waiting to speak to someone. Speaking to someone usually gets me a different answer every time. From them, I have heard 24-48 hours to a maximum of 15 days. They told me to replace my card, but their system will not let them send out a new one to me. And also, I have been told to resend the documents almost each and every time I've called them. I have called at least 20 times and even spoke with PA Dept of Labor who tells me everything is fine on their end. I have sent or uploaded the documents a total of 9 times since XX/XX/2020 and this issue still hasn't been resolved. All I want is to be able to access my money without issue or close the account and have my money transferred.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX  Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

A XXXX  threatened us with charges for something he called " XXXX XXXX '' if we did not continue seeing him at {$350.00} per hour. We of course did not agree to this thinking it was an empty threat. It was not. I recently checked my credit report and found a derogatory item indicating I owed {$160.00}. I called the collection agency listed to explain that they, presumably, were not aware they were helping to perpetrate a fraud and give them the chance to correct the situation. Their response was that the burden was on me to prove the fraud before they would act. I replied that it would be difficult for me to prove a negative, specifically that I did not authorize charges for whatever " XXXX XXXX '' is. They said that if I could not prove it they could not help and promptly hung up. The is a fraudulent charge. The doctor that imposed the charge knows it. I suspect the collections company knows it, but they also know it will be virtually impossible for me to prove it without expending resources far larger than the amount of the debt. They also know I value my credit score and are therefore trying to blackmail me into paying a debt I do not owe.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

I tried to make a deal with the company HONDA FINANCIAL SERVICE I offered to catch up and continue paying the normal monthly payment and they told me that the vehicle had to pay it in full or deliver it, I decide to the situation that we are all going through, it was difficult for me to catch up
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

On XX/XX/20, I initiated a {$180.00} transfer from this account to my checking account at another bank. On XX/XX/20, USBank for some reason identified this transfer as suspicious and froze my access to all funds in my USBank account. I contacted USBank by telephone regarding the freeze on my account on XX/XX/20, and USBank requested that I fax identity documents to verify that I am the rightful account owner. On XX/XX/20, I both faxed the requested documents to USBank and also uploaded a copy of my identification documents to USBank 's online portal that USBank has established to receive such documents. Following my XX/XX/20 fax and upload of identification documents to USBank, my USBank account remained frozen and I continued to have no access to funds. I again contacted USBank by telephone to request removal of the account freeze and USBank again requested that I fax my identification documents. On XX/XX/20, I again faxed my identification documents to USBank. However, my account remains completely frozen and I have no access to funds. I have contacted USBank by telephone repeatedly after XX/XX/20, and USBank still has not provided access to my account funds.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

This is for GM Financial. I am unable to make a payment towards my principal without calling in and typically waiting on hold for over 30min. I have tried all other option chat, text, and the online portal. When I call in they say there is no way for me to make all other payments besides my auto pay go directly towards the principal. The only option they offer is to call after I make a payment and tell them it should go towards the  principal.
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was told that i was going to enter a service and receive a product but i never did. I entered multiple times which i contacted XXXX and XXXX  to cancel the payments but informed me that there is nothing they can do. Therefore i decided to file a complaint and i will also be filing a complaint with the FBI.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I had identity theft where my sister XXXX XXXX and her boyfriend exposed my social security online and she also bought a car from XXXX that I disputed ( which was this car ) and had insurance in my name I submitted my info to the IRS and they validated the identity theft. The XXXX account was removed off of my credit report as well. 


Please REMOVE this off of my clue report and send it to me so I can give it to my insurance company. I will submit old license and new license
Consumer complaint received 2024-03-18
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. (IL)

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.

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 2023-01-06
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)

The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2023-05-18
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. (CA)

After carefully reviewing my Consumer Reports, I have discovered multiple inaccuracies involving accounts that do not belong to me. These accounts, which have been flagged as potential cases of identity theft, are listed under the following details : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : XXXX XXXX Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2100.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$0.00} Credit Limit : {$0.00} Past Due : {$2100.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Profit and loss write-off Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$3000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Closed Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX  XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$64000.00} No. of Months ( terms ) : XXXX High Credit : {$91000.00} XXXX XXXX : {$0.00} Past Due : {$64000.00} Payment Status : XXXXf Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Considering the severity of the situation, it is crucial for me to take immediate action to address these inaccurately reported accounts, which strongly indicate potential identity theft. I have already contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to request a thorough investigation into the matter. In addition to demanding the removal of these fraudulent accounts from my consumer report, I have insisted on receiving concrete evidence or proof validating their existence. 

It is essential to highlight that the inclusion of these disputed accounts on my credit report not only violates the Fair Credit Reporting Act but also poses a significant risk to my creditworthiness. As a victim of identity theft, it is my right to have these accounts removed if they can not be substantiated with irrefutable evidence. 

To summarize, I have taken immediate and necessary steps by reaching out to the relevant institutions to address the inaccurately reported
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TN)

I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist charged me XXXX overdraft fees for overdrafting by {$5.00}. On XX/XX/XXXX, my starting balance was {$76.00} and I made XXXX purchases for {$81.00} and it brought my account to - {$5.00}. I included photos from my bank app so you can see my starting total and how much I spent. Some of those purchases were still pending but I was still charged an overdraft fee for going negative. When the pending purchases posted, because of the overdraft fee, I did not have enough to cover them so I was charged XXXX more overdraft fees, bringing my balance to - {$140.00}. the fees were {$36.00} each, so {$140.00} + $ XXXX {$140.00}. no more than {$5.00} was ever overdrafted by me. I talked to the bank but they said they could only reverse fees once every 2 years. I think it's ridiculous I can be charged {$140.00} for overdrafting {$5.00}
Consumer complaint received 2020-09-30
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)

I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.