davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-19
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. (SC)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT AND HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT.. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED EXTREME HARDSHIP, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PURGED OFF MY CREDIT REPORT.
Consumer complaint received 2023-06-27
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. (GA)

This is my 11th 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-01
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Few weeks ago found out that on my capital one account nearly XXXX dollars in unauthorized activity had appeared on my card. I yet contacted cap one to report issue along my missing card .But yet after 2 plus weeks I still have XXXX credit no credit to use most banks give n provisional credit I reported this right as caught this yet bank does nothing to care about fraud cant use card n its XXXX
Consumer complaint received 2023-06-27
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA Section 611 ( a ) ( 7 ) I requested the Method of Verification - Detailed report of all the methods used to investigate my initial dispute on XX/XX/2019. This information was requested via certified mail on XX/XX/2019. It received by TransUnion on XX/XX/2019. According to the FCRA Section 611 ( a ) ( 7 ) this process takes and no later than 15 days. Upon speaking to a representative on XX/XX/2019 XXXX XXXX CST it was stated a dispute was initiated for the accounts listed on my document and will take 30 days. I did not request a dispute - I clearly requested the method of verification Under FCRA Section 611 ( a ) ( 7 ). Due to the clear violation of my rights and FCRA ; I demand Transunion make the following adjustments immediately per my documents. The documentation submitted to the credit bureaus has been attached to this complaint.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (MD)

I got an email from what seemed to be XXXX with a number to call and that there was a request for money : when I called they claimed my Discover Card associated with my XXXX account had been used to make large purchases, and the only way they could try and recoup the money was for me to go out and buy 3 gift cards at {$500.00} each from XXXX and XXXX. When I questioned the legitimacy, they called me back from the XXXX # on back of the Discover credit card. They stayed on the phone, and after the first two purchases and scan to them ; the 3rd XXXX purchase was declined, and they were no longer on the phone. XXXX claimed that the {$1500.00} purchase had been confirmed via email, also claimed that my email must have been compromised. I promptly changed my password. When I called the same XXXX number, from the back of the card, back myself, I was told that this was a scam, and that there was no way for me to be reimbursed or the charges to be cancelled. I have since removed any payment form from XXXX.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (CA)

Respect CFPB Official, I have attempted to resolve the outstanding phone bill issue will XXXX XXXX and their assigned debt collector, Valor Intelligent Processing VIP, but to no avail. Please allow me to elaborate as to why the debt being attributed to me is not valid : 1 ) I was hospitalized overseas following an accident which caused a XXXX XXXX XXXX and required a XXXX XXXX ( XX/XX/XXXX ) and 8 months of rehabilitation. I only recently returned to the United States on XX/XX/XXXX. My last contact was with XXXX was sometime around XX/XX/XXXX when I was in the XXXX  since I was informed by my Doctor that I was not allowed to travel and will require XXXX and a XXXX XXXX to recovery. The agent I had spoken to was a call center agent based out of the XXXX and I was assured of the following two things : a ) My Ex-partner, XXXX XXXX XXXX and owner of phone number XXXX will be removed from my account which initially had two phone numbers attributed to it, mine- XXXX and my Ex-partner XXXX XXXX XXXX XXXX ; b ) My account will be placed on medical suspension due to being hospitalized overseas. 

Assuming the above to be true, I focused on my recovery and was unaware that the XXXX had failed to follow through on the simple request to suspend the account and remove the additional user. To elaborate on this further, and if my memory serves me right, XXXX had actually reached out and confirmed that I agree to the removal of the second account before they put my account in suspension. This can further be confirmed by looking at the usage records after XX/XX/XXXX. In support of the above, I am attaching herein medical documentation to this e-mail ; 2 ) My XXXX, XXXX XXXX XXXX, is the owner of XXXX and the account to which an XXXX XXXX XXXX XXXX is XXXX to i.e. the device in question in this collections notice. We did share the XXXX account but the account was distinctively broken down for two lines, mine- XXXX and XXXX XXXX XXXX, as such, the phones attributed to each account are also distinctively noted on the account. I have had no contact with XXXX XXXX since XX/XX/XXXX and she should be contacted to receive payment on the device in question. 

Thank you. 

XXXX
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/19 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Consumer complaint received 2023-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I was making payments to the company off {$150.00} I thought this was my new payment. Then I received a call saying I was no longer enrolled in this program. My family of XXXX and XXXX XXXX  are struggling. The company asked for all my bills and I gave them everything and they could clearly see I can not afford to repay this without sacrificing food, housing, utilities and transportation for my family. No one cared and told me I was basically out of luck. Now I have defaulted on my loan and it is negatively effecting my credit score making it impossible to crawl out of this hole.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/19 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Consumer complaint received 2019-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (GA)

I disputed the account with the original creditor as Identitiy Theft. The account was either blocked or removed from my file. XXXX sent a fraud packet out in which I completed. Now, without any notice Deville Assestt Managment has placed an account of my credit report trying to account {$9200.00} plus dollars. This debt or account was a results of ID theft. & should have never made it to my credit file. 

This account needs to be removed from my file immediately.
Consumer complaint received 2022-12-23
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXXXXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

Called on these dates and violates the law. This is considered harassment. I have never done business with this company. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I Bought a car 33 days ago from a dealership in Virginia called XXXX XXXX in XXXX XXXX. till today they did not finish my car auto loan process my car registration is expired i called them over 20 times they keep lying. every one is saying something different 2 weeks ago they said the contract has been sent to Toyota financial services i called Toyota they said they have not approved or received any contract under my name. i have an emergency back home and i need to travel i been postponing my travel for the past 3 weeks because of this. they did not pay off my car yet my previous bank is charging me late fees and interest they soon will put a late payment on my credit report. 
i called the general manager today at the dealer ship and i told him i when you will pay my car off he said we don't know i said my car registration is expired he said come pick a new one i was like this is to much and want my car back he said no. 
so they are not paying my car and they are not taking my car back. 
i do not know what to do.
Consumer complaint received 2019-12-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMS-Recovery Management Services, Inc. (GA)

The company I am reporting is Recovery Management Services. The company is stating that I took out loans through XXXX University  XXXX. This school was closed due to unfair and illegal business practices by the United States Government. I sent documentation to the creditor stating that all of my loans are through the Dept Of Education. Recovery Management Services has stated that they will continue to " damage my credit '' and " ignore all correspondence relating to this matter ''.
Consumer complaint received 2023-01-16
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. (IL)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX XXXX XXXX XXXX  : {$3700.00}
Consumer complaint received 2019-12-23
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (WA)

I found a Charge offs on my Credit report form DISCOVER. I disputed it with the CRA it came back verified. I than sent a letter to DISCOVER about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your DISCOVER does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 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.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I got married over XXXX year ago and I changed my name and I've reported to all credit consumers about this with a copy of my social security card and picture id and marriage certificate and my name has not changed and I reported this in XX/XX/2021.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Global Credit Union (AK)

XXXX  XXXX XXXX XXXX XXXX opened an account in my name and Ex-wife 's name years ago without my knowledge. XXXX XXXX has since removed me from the banking portion of the account since my wife and I have divorced, and I explained no knowledge of this account. However, they will not remove my name from the credit portion of the account. I have never used the account, nor do I have access to this credit. I have made attempts to contact XXXX to make the appropriate changes, as well as all 3 credit bureaus with no luck. My credit is affected by this joint account that I have no ownership of.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (WA)

I received a letter in the mail from Wells Fargo dated XX/XX/2019 thanking me for opening a new Wells Fargo Credit Card, and informing me that my new card would be arriving soon in a separate mailing. They also included a report from XXXX   dated XX/XX/XXXX showing my credit score. I never applied for this card and never gave approval for a credit check. I called Wells Fargo and got the card deactivated before any charges were made. 
The letter was from : Wells Fargo Bank XXXX. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX