davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (SD)

I was checking on my TransUnion credit report, as do about once/month, to make sure everything looked correct. 

I noticed a new employer had been reported - ASAP Drug solutions. 
XXXX XXXX XXXX XXXX I definitely DO NOT work for this company. I keep my credit reports frozen and had no notifications of any attempts to run my credit, background, or other personal information. 

I contacted XXXX XXXX XXXX and spoke with their background check department. They sent me to the headquarters ( a different company name that XXXX XXXXs operated by_ and I spoke with their HR department. Neither person I spoke with, both of whom were very helpful and cooperative, could find any record of my SSN in their system, which was somewhat of a relief. 

So I still don't know for sure how my credit report got hit with this information. I suspect identity theft via random SSN entered fraudulently on an XXXX or other employment paperwork. 

I contacted TransUnion, placed a fraud alert on my report ( which has since populated to XXXX and XXXX ) and disputed the new employer, which was then removed. 

My main concern now is that I could somehow be liable for taxes owed by whomever is working under my SSN and I want to protect myself against that possibility.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Experian Information Solutions Inc. (PA)

Look XXXX  Keeps Dropping My Bank Accounts For XXXX XXXX, and XXXX  XXXX since XXXX, not getting any credit boost for paying self reporting accounts!!!!!! " keep getting errors when trying to connect financial institutions!!!!!
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXX off my credit report but XXXX  and Equifax kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am having difficulty getting my student loan company, Navient, to work with me to reduce my monthly payment. I submitted my first request back in XX/XX/2019 but the company still will not offer me a payment plan. Instead they keep forbearing my account so that my interest rate keeps accruing. 

I keep submitting forms for Income Driven Repayment plans  but they keep stalling on processing this. When I call to check in about the status, they ask me to submit something new but never give me complete or accurate information so that this can be processed correctly. I never wanted to put a forbearance on my account but only to lower my monthly payment from {$1200.00} to something more manageable.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

On XX/XX/XXXX I accessed my freed credit report through all 3 bureaus. Equifax is reporting 2 accounts incorrectly. Both are with XXXX XXXX, 1 was closed in XX/XX/XXXX, which is over 7years ago. This account should be off my account. The other account is reporting a delinquent payment, which is not showing on the other 2 bureaus. This was a bank error and was fixed by the bank in XX/XX/XXXX. They reported to Equifax and the bank recently said they reported correctly and all 3 accepted the fixed. The bank is unsure why equifax as decided to revert back to the erroneous information. I tried to dispute through website and would not allow me to submit. My wife submitted her claim. I tried again today and again can not submit. My wife has yet to hear from them about the fixes and the error is still on her credit.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (CA)

This is my second 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 XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed a withdrawal for almost {$500.00} from my bank account ( not a Capital One bank account ). The withdrawal was made by Capital One Credit Card. Neither my wife nor I ( the only two owners on our  bank account ) has or have ever had a Capital One credit card. This is a fraudulent charge. I contacted my bank, and they were able to credit back my bank account and change my account number, as the account information appeared to have been compromised. I called Capital One, as I would like to know the name of the individual or entity whose credit card bill was paid with this fraudulent withdrawal from my bank account. I could not get through to speak to a representative.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (AZ)

Received an email on XX/XX/2020 regarding a debt. I sent a response on XX/XX/2020 requesting information about the debt, disputing the debt, and also telling this debt collector not to contact me via email, and to only contact me via usps. Received more emails on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. They have never sent me any of the information I requested in my dispute letter to them and they have continued to ignore my cease and desist request of emailing me. If this collection agency does not cease collection of this debt, I am prepared to pursue other avenues for the repeated email harassment and blatant violation of my written request to only contact me via usps.
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Credit Acceptance Corporation is reporting a balance of {$6100.00} to the credit bureau and collection agency for my repossessed XXXX XXXX XXXX, which had several recalls. 
I made XXXX  payments of {$310.00} equalling :. {$5200.00} Down payment : {$600.00} auction sale {$4600.00} Fee. 
Warranty. {$1500.00} {$150.00} Totaling : {$11000.00} XXXX XXXX sold the XXXX XXXX for {$10000.00} after downpaynent. 
XXXX  credited my account for {$1200.00} service warranty fee. 
Total finance by XXXX  was {$12000.00}, not {$12000.00} as XXXX  stated to the credit bureaus. 
XXXX  states that the deficiency balance is {$6100.00}. 
XX/XX/XXXX payment failed XXXX  system. 
I had sufficient funds in my bank accountbto cover XXXX payment. 
My XXXX XXXX XXXX was repossessed : XX/XX/XXXX or before. 
With " Not one missed payment ''
Consumer complaint received 2020-04-03
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: Professional Debt Mediation, Inc. (GA)

PROFESSIONAL DEBT MEDIATION is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Consumer complaint received 2023-05-11
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. (PA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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 2020-04-03
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. (CA)

I dealt with Experian in XX/XX/2020. On XX/XX/2020 I ordered all three scores and reports from all credit agencies for XXXX. On XX/XX/XXXX I was charged again a XXXX recurring monthly membership fee. I already have XXXX, and did not order a monthly membership. I canceled the membership on XX/XX/2020, and spoke to XXXX, then XXXX. I then receive an email saying that because I canceled my membership, that my credit report is now UNLOCKED. I believe this is unethical and illegal. I have had all 3 credit reports LOCKED at all three agencies as I have previously been a victim of Identity Theft.
Consumer complaint received 2020-04-03
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. (PA)

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these account ( XXXX ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
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)

XXXXm honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are XXXX  to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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
Consumer complaint received 2020-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AL)

I received two calls from NCB Management Services on XX/XX/2020. One call left a message on an answering machine that is available to others that the message is from a debt collector. The caller did not leave a name. I received another message on the answering machine on XX/XX/2020 also stating that it was from a debt collector. The name was not clear but my best guess is XXXX XXXX. These calls came from local area code of XXXX using various numbers. The return call number was XXXX, ext XXXX located in XXXX, PA. The caller said it was in reference to an account at XXXX XXXX XXXX. I have never had an account at this bank and have never even heard of this bank. I do not have ANY accounts that are even past due and have never missed a payment on any account. I called this number and received an answering machine. I very firmly told these people that this account was not mine and also informed them that they were not to call my number again. On XX/XX/XXXX, I received another call for this same company. I answered and told the caller not to ever call this number again. These calls make me furious. I am receiving calls from other companies so obviously someone with a similar name has a credit issue. I do not know where these people are getting my phone number. Apparently they are calling anyone with a similar name. I want these calls to stop!!!!!
Consumer complaint received 2020-04-03
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. (PA)

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX  data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Consumer complaint received 2022-11-05
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. (CA)

This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.
Consumer complaint received 2022-12-28
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (CA)

I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. 
SCA collections {$1500.00} XXXX XXXX XXXX XXXX # XXXX I don't owe anything XXXX XXXX XXXX XXXX 
{$350.00} XXXX XXXX, XXXX  XXXX # XXXX
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Dear Representative, I checked my balance at XXXX XXXX  on Monday, XX/XX/2020 and realized I overdrew my account. I had 3 charges which came through ; {$17.00}, {$20.00}, and {$99.00}. My account was overdrawn for {$98.00}. I arrived at XXXX XXXX XXXX XXXX, XXXX, CT bank at XXXX XXXX  to give the teller {$100.00}. The teller stated the branch was closed however, the sign indicated they close at XXXX XXXX. I had to go home get my debit card and return to deposit the {$100.00} through the ATM machine. I deposited {$100.00} around XXXX XXXX. The next day I was charged for two overdraft fees. I called ( XXXX ) XXXX around XXXX XXXX explaining the situation and was told by XXXX he could not issue me a credit due to I had received a courtesy credit like two weeks ago. I received credit for an overdraft because the cable co. charge me twice in error, and before that, XXXX charged me pre-maturely and credited the charge back. 

I am reaching out to you because I am receiving unemployment and trying to pay my bills. I feel the bank is exploiting me and any possible opportunity to charge an overdraft. Please advise. 

XXXX XXXX