davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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)

TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

XXXX XXXX : XXXX XXXX XXXX XXXX NC XXXX Accounts : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX NC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX SSN:XXXX DOB : XXXX
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC. (IL)

This car loan was obtain fraudulently and is reporting to my credit account this does not belong to me these agency need to pay attention who they are lending to Ive contacted them they said they will contact me back but have not done so Ive also disputed this information thru the bank and all three credit bureaus with XXXX  being the only one not to respond this has took a drastic hit on my credit as well as of many more fraudulent accounts
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance {$1000.00} - This specific account is certainly displayed as a charged off account, please don't hesitate to analyze the main reason why there's a balance showing you on the report if it is a charge off? The account balance is actually erroneous, please be responsible to turn it to XXXX or delete the item completely. Also render documentation to be sure of all the charges and credits with this assumed account came from me. My request to deliver these documents is a formal information appeal in accordance to my legal rights issued from the fair credit billing act. If you can't present this data per my civil rights request, delete this immediately. 

XXXX XXXX XXXX {$860.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX  XXXX Balance {$710.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

COLLECTION, CHARGE/OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. 
COLLECTIONS MEANING THAT THERE SHOULDN'T BE REPORTING ACCOUNT OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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: NCB Management Services Inc. (TX)

NCB MANAGEMENT {$2600.00} REPORTING FRADULENT INFORMATION ON MY CREDIT REPORT AND FAILED TO PROVIDE ORIGINAL SIGNATURE AND IDENTITY OF WHOM ACCOUNT WAS OPENED BY. ACCOUNT WAS OPENED FRADULENTLY AND NOT MINES
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

The XXXX XXXX XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2021-01-15
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. (NY)

I am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.
Consumer complaint received 2019-05-10
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: NCC Business Services, Inc. (GA)

This company refuses to remove this account off of my credit report after contacting them and the initial point of contact company XXXX XXXX. I have asked them several times to remove this account from my credit report as one it has a XXXX balance and I have never had any sort of business with them nor signed any contracts with NCC business services and they shouldnt be reporting anything on my credit report.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CA)

LINEBARGER GOGGAN & SAMPSOM, LLP - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Tel # : XXXX This debt is from the XXXX XXXX Red light Signal infraction ticket from a rental car ( XXXX ) that rented in my name while my car was been fixed. Car was being driven at the time by my wife when the infraction occurred. The photo from the ticket shows her clearly driving the car and I wasn't in the vehicle. When the ticket I arrived, filled out the information letting the agency know that it wasn't me driving the car and included all the relevant information of my wife ( DL # ). She has since taken care of the issue and have the court dismiss the ticket. I am however receiving harassing letters and they have refused to go back to their client and verify the dismissal of the said ticket.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Dear Sir/Madam, Sat, XX/XX/2024 at XXXX XXXX I am writing to dispute the validity of the debt collection attempts made by XXXX XXXX XXXX regarding the account, XXXX XXXX XXXX XXXX account. 
Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws XXXX XXXX  communications and actions taken by XXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right XXXX take further legal action if necessary to protect my rights under the law
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (TX)

Vehicle was bought on XX/XX/XXXX if you see the records that Honda Finance has payments were not my account they were from XXXX XXXX who had possession of the car. When the dealer called me on XX/XX/XXXX he made it seem they were just using my income for a better interest rate. Me being trustworthy and needing to leave, the salesman just ask me to sign and get on my way and I did. On XX/XX/XXXX I received a call that they were looking for the car for repossession, I asked the investigator to give me a few weeks to find out what was going on. He agreed, A week I was able to get a hold of Ms. XXXX and she told me that the car had been repossessed. A few months later I received a note for the money owed but liked I've explained to Honda that vehicle was not mine. All they have to look is the account the payments were made from
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I attempted to use the Venmo service but received the message After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/20. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Venmo will not tell me what transactions or activities I took part in were considered concerns. I believe I am being discriminated against without explicit explanation of what activities cause XXXX response.
Consumer complaint received 2021-01-14
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-01-14
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. (AL)

I AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.
Consumer complaint received 2021-01-13
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: Avant Credit Corporation (TX)

Someone open a credit card in my name and I was trying to contact my investigator and his number is always going to voicemail many times I left this XXXX  a message few times and he never called me back at all and I send in documents by email and never got a response back and finally XXXX was rebilled on my account and I was found responsible for the charges and I refuse to pay for it ... I never used the card and I didnt apply for it the guy name is XXXX and his extension is XXXX avant- already did a few chargebacks to the merchants so I dont know why they found me responsible for this
Consumer complaint received 2021-01-14
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. (MI)

checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (OH)

On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-13
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. (IL)

Transunion is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

Good Afternoon On XX/XX/XXXX I Received a call from a so called Process Server claiming they had Court Papers in my name that need to be served to me. She claimed that she didn't have much information on this Debt  as the documents were sealed, and she asked if she could deliver them to me at around XXXX on that Friday, and I said no I won't be around. She then stated that I need to call this toll free number and reference this Case # to them. So, once I hung up I reached out to them. I got someone that picked up and said Law Firm and his name. I tried to ask the gentleman that i was talking to questions and he was very nasty and was getting loud with me and was claiming I owed 15,000 on a charge for a XXXX. I tried to get names and information on this debt and he couldn't tell me. I then hung up and called the police, and the police department stated that this sounds like fraud. He gave me some information on what I should do and I hung up with the officer. I then tried to call back a second time to that debt collect. When I called was the same thing. He said Law Firm and his name. So, I proceed to say may I get the name of your Facility and a address so I can send some information to you to get a better understanding on this so called debit I owed and I am going to the police. At, that point he started to yell at me and scream at me that I keep charging and charging on a credit and never paid it back and you can go to the police and tell the police department the card XXXX. I said I want to figure this out and understand what we are talking about I said I am not trying to fight with you but your getting nasty with me. HE then transferred me to another guy who was a little more calm but very abrupt with me. He stated that i am being Sued for a credit card about of 15,000. I asked him who the debt collector was and all he could say was First USA Bank / Chase. He then said that I was paying on this card back in XXXX and I stopped and then it went to collection which hes said that they attempted to send me notifications on this but Ignored it and it was sent to Fraud. I said how is that possible there is no such thing to do that. So, he then started talking over me getting more abrupt that he will now just send this to a Judge and they will garnish my pay and bank accounts. I tried to ask to get a phone number and a address of the person that is pursuing this debt and said I didn't need that it wasn't necessary and I said what address was the collection letter send to in XXXX and he could tell me that either. I said then serve me paper
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems Inc states I owe them {$3800.00} in regards to a leasing breach. I am not responsible for this collection, my previous significant other was main provider in our leasing agreement. I have tried to dispute with XXXX XXXX XXXX but they are refusing to remove this incorrect debt off of my credit. This is unfortunately my last resort before I involve my legal team.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

I have been unfairly charged finance charges and a late payment fee by the credit card issuer. My first payment was delivered on time on XX/XX/2020 in the amount of {$1300.00}. However, the credit card statement was not clear where the payment should be sent, as it listed two addresses. I sent the payment to the " Customer Service '' address at the bottom of the statement, which was listed more prominently on the statement. I later found out that the payments should have been sent to the other ( less prominent ) address, which did not disclose that it should be used for payments. This caused my payment to be misdirected to the wrong department, and ultimately processed several days late on XX/XX/2020, incurring a finance charge of {$19.00}. The same issue repeated on my next bill, and I incurred a late payment fee of {$39.00}, in addition to an {$8.00} finance charge. When I called to complain over lack of disclosure regarding which address to use on the statement, I was told that only the {$39.00} and {$19.00} charges could be refunded ( due to a policy of one waiver per customer per year ). I am requesting a refund of the {$8.00} charge, which was directly caused by the credit card company not disclosing which address should be used for payment.
Consumer complaint received 2021-01-14
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)

This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The XXXX payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. XXXX payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.