davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX credit card used On XX/XX/2016 for vehicle fixing with merchant XXXX XXXX {$1400.00} due to vehicle broke down the same day charges were disputed with XXXX. 
On JXX/XX/2016, XXXX transition into XXXX credit card. XXXX went ahead and paid the merchant without reviewing proper documentation from XXXX XXXX. Since than I communicated with XXXX. 
XXXX offered was installment payment plan instead of taking responsibility of their actions. 
In XX/XX/2016 XXXX sold debt to Midland Funding Even though they collected funds {$250.00} up until XX/XX/2016 through my own research I just discover since I was signed up as auto pay via XXXX  XXXX XXXX. They have paid them money which was in dispute. XXXX needs to take off this negative and false charges from my credit report and stop harassing me. 
Midland Funding has been harassing by filing lawsuit against me and showing up at my residences several times a day. 
Can you intervene? 
Thank you for your time.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Consumer complaint received 2023-01-17
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-01-17
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. (MS)

accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX funding # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Consumer complaint received 2023-01-17
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IL)

Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OH)

On XXXX XXXX, I went to a XXXX dealership to purchase a new car. They ran a credit application threw XXXX XXXX  ; SageStream LLC was the reporting agency. On XX/XX/XXXX I wrote them a letter requesting a copy of my credit report, no responds. I again wrote them a letter on XX/XX/XXXX and this time I included a copy of my driver license and a copy of my SS card per the instructions on their web site and still no response. I have tired using their web site but that is nothing but a joke, you can't even request a copy of your credit report because it does not work. It is obvious they are not working within the law since they are not responding to my letters or providing a copy of my credit report that they say they have.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One has twice in the last few months denied me credit without sending me the required denial of credit letter/explanation. 

In the first instance, I applied for a card, and they wouldn't approve it because I had a prepaid phone instead of a contract phone ( even though they texted me to confirm the number ). So they said I needed to send them proof of identity, SSN, and current address. I sent them a copy of my passport, social security card, and a then current bill with my address. They ignored me. So I sent that all again after a few weeks. Again, total silence on their part. 

In the second instance, I applied for a card. Once again I verified my phone via text. This time they required proof of identity that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed proof of identity, SSN, and current address. So this time I sent them a copy of my passport, tax returns to verify SSN, and a mortgage statement to verify the address. Once again, they have ignored me. 

They've made me waste a lot of time with their excessive requirements. The least they could do would be to tell me why they're still denying me credit after I did everything they asked - twice!
Consumer complaint received 2021-01-13
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 sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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 : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

On XX/XX/2016 the department of education wrote a letter to XXXX college of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

Navient is harassing me for a debt not owed. I am receiving more than 10 phone calls a day, at all hours of the day. I want then to stop contacting me or I will retain a lawyer.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

Equifax closed out complaint number XXXX on XX/XX/2023. The problem is still not fixed. The score is working but the report is still blank. When I log in it still says to call Equifax with the code " XXXX ''. I continue to be denied new credit and credit line increases due to Equifax 's inability to fix their issue. This needs to be fixed ASAP.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (SC)

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I received a call from a XXXX XXXX XXXX area code number and when I answered the lady said that she was from Regional Finance and that she had a program that I was eligible for to catch up my payments and my next payment would be due until XXXX, I said great so she did someone paperwork on her end and said she was transferring me to XXXX at the XXXX XXXX whom I am familiar with. When I speak to XXXX she asked what's the reason I got behind and I explained it to her and she said that was ok and if my payment was too high and I told her no it was ok she said she was placing me on hold to finish process, after a short time on hold XXXX XXXX from the XXXX XXXX whom I am also familiar with picks up from and begins demanding payment and attempting to use my debit card which is on file to make a payment after I have explained to him twice that I currently do not have the funds, he becomes quite unprofessional saying that there is not assistance for me and he is not going to allow it basically from the conversation we had after the lady that first contacted me stated otherwise. XXXX XXXX XXXX has become increasingly unprofessional and deceitful with customers at Regional Finance.
Consumer complaint received 2023-01-24
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. (IA)

XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Tromberg, Morris & Parnters, PLLC (NY)

Tromberg , Morris & Poulin , PLLC I paid my matter # XXXX IN FULL last XXXX. 

On XX/XX/XXXX they took an unauthorized {$100.00} from my bank account. I have contacted them every day for the last week to no avail. They stole my money and won't give it back. So, I had to spend {$35.00} and my time to go to the bank and stop payment. 

I have