davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
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. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-03-16
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. (KS)

XXXX  XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I signed up for a PNC Virtual Wallet with XXXX XXXX through a landing page on their website. There was a signup deal on-going, wherein if you deposited {$5000.00} via Direct Deposit, there would be a {$500.00} deposit made within 30-60 days. I opened the account on XX/XX/2020, and made a {$5000.00} direct deposit on XX/XX/2020. I called to check that my account was in good standing, confirmed it was and I would be receiving the bonus deposit. I then called again on XX/XX/2020 to check the status, and the rep now claims that my account is not in good standing, as there is a requirement for 10 debit transactions during the account bonus posting time. I have attached screenshots of the landing page I signed up for my account through, no where does it state debit transactions are required.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (IL)

I've submitted proper documents to Experian, XXXX and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (GA)

in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FlexShopper, Inc (WV)

We ordered about four products from XXXX but we started receiving a lot of calls from companies called afterpaying. prepay and flexshopper wanting to be paid afterpay flex shopper did take money from our checking account after pay refunded is money we never ordered anything from flexshopper but yet they are trying to charge us XXXX dollars a week We did receive some products from XXXX that we did not order and we sent it back we thought we was good until flexshopper started calling every day five times afer we closed our account so what do we do now
Consumer complaint received 2020-03-16
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (UT)

Hello, This is a follow up to a dispute I submitted XX/XX/XXXX of last year ( XXXX ). The issue was never corrected. I am in the process of refinancing my loan and my lender noticed a 30 day late reporting in XX/XX/XXXX from SLS. Despite receiving a letter from the servicer stating the issue was corrected on XX/XX/XXXX the payment wasn't reapplied until XX/XX/XXXX. My auto pay should of been reinstated in XX/XX/XXXX however it was not completed as my loan was still showing past due. When I was with SLS I had set up bi weekly auto pay. Half of the payment was made on the XX/XX/XXXX of the previous month and the other portion to complete the payment in full was scheduled for the the XX/XX/XXXX of the current month. This was an option offered by one of their representatives. This was set up for several month with out issue until they decided to start applying the payment made on the XX/XX/XXXX to principle causing the loan to report past due. Based on receiving a response to my initial dispute I trusted the issue would of been resolved.Due to this mistake I am now unable to refinance my property at the rate I should qualify for. I called SLS today XX/XX/XXXX and they submitted a request to have the credit reporting corrected but refused to provide me any documentation for me to provide the lender I am trying to go through to refinance my loan. They said it can take up to 30 days for them to complete the request and another 30 days for my credit to reflect the correction. I am requesting SLS take accountability for their error and expedite the process to correct my credit reporting or lower my interest rate to what is being offered from me completing the refi.
Consumer complaint received 2020-03-28
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. (GA)

in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX  the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.Unauthorized use of my report.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

I signed up for the XXXX  home internet via the phone as they were having a sale for $ XXXX. The agent asked if I wanted to add my cell phone lines but I was still with XXXX at the time. I told him not yet as I want to see how the service is before moving anything over. He told me that he could send over 3 sim cards and that I can activate them at any time. So I agreed on the presumption that those SIM cards would not be activated. A few weeks pass by and I am not happy with the service so I go to cancel the home internet. I then find out that those lines were activated with totally different numbers and assigned to phones I don't have at all. I asked them in XXXX, XXXX and on XX/XX/22 at XXXX XXXX, I call and speak to XXXX and I explain the situation and told him those lines were " unauthorized activiated ''. He tells me that my complaint will be sent to the Fraud department and it would be taken care of. I don't here anything until I get a letter in the mail from a debt collector, looking for {$390.00}. I am not liable for this amount and if need be, I will get a lawyer involved to dispute this and also sue.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called to find out why my account was restricted only to find out that it was canceled. For no reason! I tried to pay with a different bank account and must have pressed a wrong number for the account number. The payment didn't go through... I ended up paying with the account I used to previously to pay. They canceled anyway XXXX accounts that never was even paid late. Will not recommend capital one to anyone! XXXX  capital one and XXXX capital one.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 personally-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.
Consumer complaint received 2020-04-11
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. (LA)

I have filed three credit disputes with Experian in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 17 hard inquiries, foreclosure ( XXXX XXXX XXXX XXXX XXXX  ), and addresses or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Experian responded to my last request. One of their response letters was dated XX/XX/2020. On page 2, Experian stated, " The information you disputed has been verified as accurate. '' This was their response to the foreclosure. These are clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts and addresses must have original documentation or proof on file bearing the consumer 's consent. In this case, Experian has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are purposely avoiding the verification process. These are clear violations of the FCRA. XXXX did the right thing and promptly deleted this same foreclosure that is in question on XX/XX/2020. I have attached their response letter as verification as I request that Experian do the same. 

I have all the dispute letters, certified mailing receipts and response letters from this company to support my claims.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

1. My husband leased/purchased a XXXX car in XXXX. It appeared with on my credit report. 
2. Car was returned on time in XXXX. 
3. I was billed for an outstanding balance erroneously. 
4. Now in XXXX ; the company has placed two negative notes against my credit report tow separate months. 
Experian site is down for disputes and I have not been able to get them to fix or investigate this claim. My credit score dropped more than 40 points. This is an error and this initial claim is 7 years or more old and should not be claimed against my credit. 

XXXX XXXX
Consumer complaint received 2020-03-28
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: EQUIFAX, INC. (LA)

I submitted a dispute for a charged off credit card account that I was added as an authorized user. In the details of the account it clearly showed that I wasn't the primary card holder. Currently I have gone through two rounds of investigations and Equifax and XXXX  never removed this from my credit file.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices. 
As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit. 
I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX  ALSO UPDATE THE LATE PAYMENTS FOR DPEDXXXX XXXX XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MS)

My disputes are with XXXX predatory collection companies. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX LVNV Funding LLC XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX Collections XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) LVNV Funding LLC is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXXXXXX XXXX is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.