davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (NC)

After reviewing my credit file on XX/XX/XXXX I identified a discrepancy with account listed under VANCEHUFFMAN and validation was requested as this was ab account that i did not recognize. I reviewed my credit report again XX/XX/XXXX and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct. 

The company responded with this " Vance and Huffman LLC has reviewed XXXX XXXX complaint. The account was obtained on XX/XX/XXXX. On XX/XX/XXXX a letter was a sent to XXXX XXXX making her aware that the account was now in our office for collection. The statements made by XXXX XXXX are false and misleading. The account has been credit reporting since XX/XX/XXXX. This is in regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX obtained a loan for {$300.00}. XXXX XXXX provided her drivers license as verification and provided her bank account with XXXX XXXX XXXX acct # ending in XXXX. When payment was to be made the item was returned due to non-sufficient funds. On XX/XX/XXXX a representative reached out and the individual that was contacted would not verify any information and terminated the call. On XX/XX/XXXX XXXX XXXX contacted Vance and Huffman and she was given the phone number to the office that was handling her file. All calls are recorded for training and quality assurance. Vance and Huffman have not discussed the account in our office any time. This complaint is the only time the matter has been discussed with XXXX XXXX. We have placed the account in a disputed status and requested that all validation be sent to XXXX XXXX for her review. If we can be of any further assistance, please contact the office at any time, we will be happy to assist you. '' This does not verify this belongs to me my name is XXXX XXXX i am a man i have attached my identification. I have never spoke with this company. Again, this is mistaken identity. Next i will do a report with FTC for identity fraud.
Consumer complaint received 2021-11-22
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (TN)

I contacted AR Resources at XXXX XXXX XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from XXXX in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.
Consumer complaint received 2021-11-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

In XXXX, I bought a used XXXX XXXX from XXXX XXXX XXXX. I took out a XXXX from XXXX XXXX XXXX on the date of purchase. I'm not sure if XXXX XXXX XXXX is still open or if it has been acquired by another company. 
I did get behind on payments with XXXX XXXX XXXX after paying off most of the loan ( remaining balance {$2100.00} out of approximately $ XXXX in loan and interest payments ). XXXX XXXX XXXX repossessed the car which was offered as collateral for the loan stating the balance of the vehicle 's sale would be applied to my remaining balance. 
It's now XXXX, I have been working with XXXX 's XXXX and XXXX on trying to close this balance. I come to find today that I no longer owe anyone money after simply asking for a breakdown of my account balance. 
I have incurred XXXX years of credit damage from the following parties : XXXX XXXX XXXX Unifin XXXX XXXX What are the steps I can take to repair what these lenders have done to my credit score? I feel 100 % vindicated after hearing I owe no money as of today. I'm even wondering if I'm owed money from these parties considering they can not produce any details pertaining to the money they were attempting to collect for years. 

Here are the company 's websites that I have cited in my complaint XXXX XXXX XXXX XXXX XXXX XXXX ( website unavailable )
Consumer complaint received 2019-12-03
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. (FL)

Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, XXXX, Equifax. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, XXXX  and Equifax know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, XXXX  and Equifax show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed my account all of a sudden and did not update the reason. I opened a business account and funds have been deposited from vendors out of state. 
They closed all my family accounts including my wife and kids accounts and did not update a reason. Have been trying them since 2021 and there is no update.
Consumer complaint received 2023-05-12
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. (LA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX. XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

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 2023-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report, which I believe are inaccurate and violate several laws including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. The following accounts are of concern to me : XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information on my credit report and request that it be removed. Please investigate this account and remove it from my credit report immediately if you find it to be invalid. 

XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), collectors are prohibited from reporting false or misleading information on my credit report. I demand that you investigate this account and remove it from my credit report immediately if you find it to be inaccurate or invalid. 

XXXX XXXXXXXX XXXX Account Number : XXXX I have no recollection of ever belonging to this account. The Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) require that creditors provide accurate and timely information to consumers. I request that you investigate this account and remove it from my credit report immediately if you find it to be invalid. 

I understand that it is important to have accurate information on my credit report, and I would appreciate your prompt attention to this matter. I also remind you of your obligations under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Billing Act ( FCBA ), and request that you provide me with written notice of any action taken in response to this dispute. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-22
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)

XXXX XXXXXXXX and equifax have not included an open account lowes XXXX XXXX XXXX credit card XXXX XXXX bank ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct
Consumer complaint received 2021-11-22
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. (OH)

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: LAKE MICHIGAN CREDIT UNION (MI)

XXXX XXXX XXXX XXXXXXXX I received a text stating that there was a {$150.00} transaction pending on my account. This text was quickly followed by two other text stating that two other {$150.00} transactions were pending on my account. I logged in to my online banking and saw these XXXX transactions were from XXXX. I do not and have never had a XXXX account. When I called LMCU the first time, I was told I could do a dispute online. Went to the website to do it, transactions were not available for me to dispute. So I called back a second time at which point I was told the transactions needed to post before I could dispute them. I then chatted in to see if there was anything that could be done at which point I was informed since it was fraud then something could be done and I was given the phone number for the fraud department. I called the fraud department and was told that it was actually a debit card transaction not ACH as the mobile app intially stated. I asked which debit card it was and was told the last four numbers. This representative then transferred me to the debit card fraud team. The gentleman from the debit card fraud team was less than helpful. Literally zero empathy and told me go to a branch or do it online. I hung up with this gentleman and called back for a fifth time hoping to get someone a little nicer to assist. The final person I spoke to was helpful and he was the first person out of the SIX I spoke to that offered to block my debit card for me. Ridiculous that it took SIX people before that was even offered up as a solution to prevent further transactions coming out of my account. So since I was not able to dispute the charges at the time I noticed them, the fraudulent charges caused legitimate items to bounce on my account and resulted in " courtesy '' fees to be assessed. Honestly what I find to be the absolute most ridiculous part out of all of this is their fraud department is constantly texting me to make sure transactions for {$20.00} or {$39.00} dollars are legitimate, which they have been, but when XXXX transactions for {$150.00} dollars occur within seconds of each other on XXXX XXXX, even though XXXX XXXX has NEVER taken money from the account before, not a single eye is batted and no attempts to block it are done. Absolutely ridiculous. This whole experience is making me consider switching financial institutions because I feel like I am having to jump through so many XXXX hoops to get my money back from a fraudulent charge when the fraudster was just able to waltz in and steal the money and LMCU was just like " go ahead, these charges on an account that has never ever had any sort of sports-betting or gambling charges on it ever in the almost XXXX years it has been open seem totally legitmate '' I am just absolutely disappointed and disgusted with how this is being handled. I want my money and all the fees that were charged back immediately.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
13. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (CA)

I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. 

I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. 

XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? 

Ive never lived at either of these addresses. 

XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. 

XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. 

Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft
Consumer complaint received 2019-12-03
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: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX XXXX  XXXX