davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Denied credit from multiple lenders with a XXXX score for me and XXXX score for my husband- even bad credit lenders- Your Experian credit score : XXXX Date : XX/XX/2020 Scores range from a low of 300 to a high of 850. 

Key factors that adversely affected your credit score : Serious delinquency Ratio of balance to limit on bank revolving or other revolving accounts is too high Too many inquiries last 12 months Length of time accounts have been established Frankly we have reviewed our report and found none of this. The information they are using is either incorrect, from another using Experian name or just not current. This has cost us severe financial impact! The loan was for debt consolidation. Hence misrepresentation- frankly the histry shows only recently were my accounts behind due to medical and family personal impacts.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Merchant made unauthorized charge on my capital one credit card. Merchant saved my card in the square app as a recurring charge for a service that I canceled within the cancelation period. Merchant acknowledged this, and said he would dispute on my behalf and issue refund but did not. I contacted capital one credit card to let them know that this was a fraudulent charge, a charge that I did not authorize. Capital sided with the merchant and billed me regardless of all my supporting documentation from the merchant that I have in writing in the contract and text messages saying that the charge is unauthorized and that I am entitled to a full refund. Capital one is completely disorganized.
Consumer complaint received 2022-12-26
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. (AZ)

So they put im dead and im not dead im XXXX and wondering why i cant do anything with my credit as well XXXX i owe XXXX XXXX
Consumer complaint received 2022-12-26
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2019-11-26
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: SYNCHRONY FINANCIAL (CA)

XX/XX/2018 PayPal Credit made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching police report for related identity theft. XXXX  instructed me to contact each of the companies making fraudulent inquiry individually.
Consumer complaint received 2022-12-27
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. (MD)

This is my other 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 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 XXXXXX/XX/2022
Consumer complaint received 2022-12-27
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)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-05
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. (WA)

There has been a po box in Illinois that was from someone opening a XXXX Account I have never been to Illinois nor do I use XXXX as a phone company This account was opened in 2011. I have been trying to get this off my credit for years. Yes there is now a police report.
Consumer complaint received 2022-12-27
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX ( Original creditor : AT T ) XXXX Balance {$320.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK XXXX XXXX Balance {$6500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$12000.00} ; XXXX CO XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

My citibank account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. I have added the bills and payment history to this email. Citibank stated they would not correct my credit report and stated information is correct when it is not.
Consumer complaint received 2022-12-20
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.
Consumer complaint received 2022-12-27
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX  XXXX ( Original creditor : AT T ) XXXX Balance {$320.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK XXXX XXXX Balance {$6500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$12000.00} ; XXXX CO XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.
Consumer complaint received 2022-12-26
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: LEXISNEXIS (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 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 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (DC)

I put in an application for a Chase Sapphire Reserve card in ~ XX/XX/XXXX. I received a letter from Chase dated XX/XX/XXXX asking for me to come into a branch and provide a copy of my Social Security Card for verification. I've previously been a victim of identity theft so this type of thing is routine when opening new accounts for me. I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social Security Card into the back without me and scanned and faxed it to their Fraud department along with their " SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to scan/fax it. I called XXXX to validate that the Card Services department had received it and had the phone on speaker phone while XXXX XXXX and the Card Services member talked about how to store the document. The Card Services member validated that she had what she needed and the call ended and I left the bank. 

On XX/XX/XXXX I received the same letter as I received previously again and when I called both the bank and Card Services departments they did not know where my faxed or scanned Social Security Cards were. I would like a full investigation into this matter about how they were able to lose my PII, especially both a form with the SSN on it and a copy of my physical social security card. Card Services called back to tell me my application had been approved, but they were not able to tell me where my PII was. I also talked with the Branch Manager of the Chase Bank and she said she was going to find out what happened but I have not yet heard back either from her. I would like a full explanation from Chase about what happened and I want all of my information permanently deleted from their systems including documents because I do not trust that they will be able to protect my PII in the future because they have not currently.
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

XXXX XXXX, XXXX is a Debt Collector who has reported a debt of {$480.00} to all credit bureaus. I do not owe that debt as it is not even under my SSN. This collection agency is committing a fraud by reporting a debt that is not under my social security number. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. When I spoke with them they stated that the social security on their records does not match my social security number, but they still are reporting this collection to the Credit Bureaus. 
I do not owe this debt, it is not my debt.
Consumer complaint received 2020-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CardarelliBridgewaterandAssociates,INC. (CA)

CARDARELLI, BRIDGEWATER & ASSOCIATES INC contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act XXXX d Any conduct the natural consequence of which is to harass, oppress, or abuse any person
 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I attended the XXXX XXXX of XXXX between XXXX and XXXX where I was repeatedly pushed and encouraged to pay for my XXXX with private loans through Navient. Since then the repayment terms have been vague or inaccurate, with me being told directly on the phone that the monthly payments would be a specific amount each month and currently creeps up higher in payments every month for years now. My school and their loan lenders recently were found to be misleading and a scam in the recent XXXX XXXX XXXXXXXX federal court case on XXXX XXXX, XXXX and have been ordered to dismiss the federal loans for those schools. My federal loans are currently being forgiven in XXXX due to that case. Navient was also ordered to forgive defaulted private loans in a settlement with the attorney general in a court case on XXXX, XXXX due to predatory practices and misleading information. Between the court-proven record of misleading and criminal practices as well as lying about the amount my current monthly payments are, I wish to file this complaint and push for the remaining private loans to be expunged as well.
Consumer complaint received 2022-12-26
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I sent them a debt validation letter to them and I didn't get a response, so I sent a certified letter this time and still no response. So I filed a complaint and they finally replied to the complaint. They sent me everything I wanted BESIDES A COPY OF THERE LICENSE A COPY OF THE ORIGINAL CONTRACT SHOWING THAT I HAVE A OBLIBATION TO PAY THE DEBT AND A PURCHASE AGREEMENT BETWEEN LVNV AND THE ORIGINAL CREDITOR SO I CAN VERIFY THE INFORMATION AND HAVE PROOF THAT IT WAS PURCHASED FROM THE ORIGINAL CREDITOR. .ACCORDING TO THE FCRA I HAVE THE RIGHT TO SEE ALL THE INFORMATION.