davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (FL)

Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.
Consumer complaint received 2021-03-23
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. (SC)

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (FL)

Joined " XXXX  XXXX '' online in late XX/XX/XXXX. I was never give a written copy of my alleged contract. The management kept saying I could see it on " The App ''. 

I cancelled the membership in writing ( mailed to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) on XX/XX/XXXX. They ignored the request. 

Then I sent the same letter to the corp. HQ office at XXXX XXXX XXXX XXXX XXXX , NH XXXX and via fax. 

The cancellation letters were sent via USPS on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I called the customer service number and was unable to reach an actual human to talk to. They have a system that transfers you to a new recording. You can not speak to a human. 

I believe each letter was intentionally discarded or ignored so as to continue to bill me. Thankfully, XXXX XXXX was kind enough to " Block '' future charges. They claim hat I owe {$93.00} for a place I've never stepped foot in. 

XX/XX/XXXX I finally spoke to ABC Fitness Solutions ( 3rd party collections company ) who stated that only the local gym could cancel my membership. 

I then call the local gym again ( 3rd time ) and " XXXX '' was immediately defensive and extremely evasive in her actions and answers when I asked why my membership was still active nearly 90 days after being cancelled. She stated that they never received the first 2 letters. When I pressed her, she then stated " Oh yeah ... we just got it today ''. So she claims that it took 3 letters mailed and 60 to 85 days for her to know my wishes? 

Within minutes of the above phone call I received the attached cancelation form. It is fraught with errors and misinformation. I canceled the membership on XX/XX/XXXX. Not XX/XX/XXXX. I'm not " unhappy about billing ''. I unhappy about the obvious fraud and deception. It indicates that I " Checked In '' at the club on XX/XX/XXXX. This is false. I've never been there even to work out. 

I believe ABC Fitness Solutions has violated fair debt collections practices. They have zero disclosures in the communications. They are acting as a third party collection agency. 

This entire process smells of fraud and deception.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (MA)

This letter is about the following accounts : XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$500.00} or my account was charged off {$500.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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)

I would like you to check the origins of three inquires that appeared recently in my credit report. I do not recognize them at all. I want to complain as I have unknown items in my credit report and I ask you to remove them
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (IN)

Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Southern Auto Finance Co (GA)

First and foremost on XX/XX/XXXX I went to XXXX for a consumer transaction for a XXXX XXXX XXXX, I gave XXXX my credit credit which is clearly defined under 15 usc 1602 ( l ) and it states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I extended credit to southern auto finance company " aka '' SAFCO and I the natural person received no benefit. Southern auto finance company " aka '' SAFCO practiced unauthorized use of my credit card. Southern auto finance company " aka '' SAFCO has violated multiple rights and I the consumer received no benefit, Congress has stated this under 15 usc 1602 ( p ) and it states : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Only I the consumer and natural person have authority over my credit card because I am the card holder the natural person. I have sent Southern auto finance company " aka '' SAFCO a cease and desist and affidavit of fact on XX/XX/XXXX which I will include in the attachments area. Also I wrote transunion and told them that I have not given Southern auto finance company " aka '' SAFCO any written instructions to report this on my consumer report. But don't take my word for it I will tell you what CONGRESS said and 15 usc 1681b states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to transunion which is in exhibit E they stated that Southern auto finance company " aka '' SAFCO VERIFIED this account. This company is a fraud and I will show you in the attached documents.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (FL)

Dynamic recovery solutions has threatened me multiple times & states that I owe them XXXX $ for a XXXX account that was opened in 2017 which I have no knowledge of, they threatened me saying if I dont pay they will sue me and take all my assets. They call me any hour of the day, sometimes at XXXX XXXX XXXX XXXX XXXX. Ive requested MULTIPLE TIMES for a hard copy of what I owe sent to my home address and they claim they have sent it but I have never received any documentation or paperwork from dynamic recovery solutions & they threatened me saying they will escalate my account to a higher price and amount due if I do not pay in full. I have no knowledge of this account and I believe this is a scam company
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX, started refinance process with Bank of America for a 15 year loan at 2.375 %. Excellent candidates both me and my wife with high 760+ credit scores and good income. Multiple back and forth notes on their mortgage portal from me and the loan officer verifying everything had been completed for review. ( Printed copies ) XX/XX/XXXX loan officer says " underwriting has completed their review.. '' " ... no items needed from you at this time. '' " Now we just sit and wait on the title company and the processor to complete. '' " This will take several weeks. '' XX/XX/XXXX was my home expectation day that cost me {$610.00} which turned out great because my home was valued at {$9000.00} more than we estimated. I write a note on mortgage portal on XX/XX/XXXX getting an update on how the process is going. XX/XX/XXXX response from loan officer in total " Your loan was picked up in a review and unfortunately we will not be able to proceed with your application at this time due to risk found. I do not have the details to provide but you will receive a formal decline letter in the mail. '' XX/XX/XXXX I speak with his manager to verify it was not a mistake and informed it was no mistake and she could not tell me why because its handled in underwriting which she doesn't have access too. I could reapply for loan but my account would be red flag in future applications. Also she could not discuss what the new rates were for that day. She said I'd receive a denial letter explaining my denial in the mail. XX/XX/XXXX I posted a question on portal asking when my application was picked up and denied and was I informed same day. ( I asked this because if it was before my appraisal I should have been informed so I could cancel the appraisal and save that {$610.00} ) This question has been left unanswered. Posted a new message on the portal on XX/XX/XXXX after I left the manager a voicemail and stated it is now XX/XX/XXXX with still no denial letter received in the mail. I deserve an explanation and expect a direct callback from her or her supervisor. The original loan officer responded back on XX/XX/XXXX stating the same message about my loan was picked up in a review an denied and this time left the managers name and number to call. On XX/XX/XXXX I answered that portal message by mentioning I've left that manager multiple voicemails with no return calls. I now require her supervisor name and number. I've still not received a denial letter. I also asked " As my lender, can you tell me why I have been turned down for this application. " ( Reasoning behind this question is after researching this I came across the Equal Credit Opportunity Act ) Unfortunately this message is still unanswered and it is now XX/XX/XXXX. I feel I have been discriminated by this bank and have no where else to turn and believe this needs to be reported.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello, I need help with a dispute that I sent on XX/XX/2021 regarding some inaccurate things on my credit report. It has been almost 45 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-29
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. (MI)

Disputed these inquiries on my file with XXXX XXXX & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (OH)

I have tried to contact the debt collector to ask questions the number is not in service, I have tried checking the account online and it says I dont have an account with them. I have never had power through XXXX XXXX. From the research I did online XXXXXXXX XXXX  is known for scams and the recently filed for bankruptcy. I was very shocked to see this collection on my report. I have tried to dispute the charge with XXXX  and XXXX XXXX XXXXm waiting back to hear about that. However, this is definitely a fraudulent abd I want it off my account. 
The account was opened on XX/XX/2022, amount : {$150.00}, Trident.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (AZ)

I noticed charges withdrawn from my bank account on XX/XX/2021 totaling {$7300.00}. Charges were made by Fortiva MC, a card I have never heard of nor applied for.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am in process of refinancing my mortgage. I had to unfreeze all 3 credit reports ( XXXX, XXXX, & Experian ). This was easily accomplished at XXXX  and XXXX but I'm finding it impossible to accomplish at Experian. 

I was directed that my request couldn't be completed and I had to send physical documents to their facility in XXXX, TX, which I did. I had to overnight them as this is time sensitive which of course costs money. 

I understand identity fraud is a big problem and appreciate them taking care to make sure it's me, but not being able to get my credit unfrozen is not acceptable. 

They received my documents yesterday ( XX/XX/2021 ) with a letter explaining what I needed done and all documents they requested included. I also asked that someone please call me directly. 

I have tried every number and form they have listed and can not talk to a human being no matter what I do. I believe they shouldn't have the power to stop me from refinancing my mortgage.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MA)

Two accounts with Barclays were fraudulently opened and have a balance. I reported this to the company in XXXX and have not gotten a resolution. The accounts are still on my credit report, with a reported balance of {$5200.00} on one account and {$2100.00} on the second. The company claims these are my accounts, but I have no knowledge of them.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: Exeter Finance, LLC. (FL)

It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for Exeter Finance. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on XXXX. Please see the attached credit reporting and letters submitted to the credit bureau 's.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the 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. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

TRANS WORLD SYSTEMS, debt collection agency have been calling me daily claiming I owe thousands of dollars to a XXXX lab. When I told them I have never had any XXXX lab work and that this debt was either a mistake or possible identity theft, they claimed they would look into it but still insisted I make payments. They also claimed that I had made prior payments in the past which was not true. They were not able to accept that I would not make payments for a debt. that I did not owe. They were persistent and didn't seem to get the message at which point I hung up.