davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
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: DISCOVER BANK (AL)

Upon checking my credit report, I see that Discover Bank claims I had a personal loan with them ... .which is COMPLETELY untrue. 

My credit report does not even reflect the address I have lived at for over 10 years so there is NO WAY this account is mine. 

I have gone back and forth with Discover and they have done NOTHING to fix this. I just get a message if they tell me to wait for a call from their Executive office and noone has EVER called. 

The number they gave me is XXXX But I have yet to reach anyone. 

If this account is going to be reported, I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If they can not provide me with this information, I request they please remove the accounts.
Consumer complaint received 2022-09-30
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Revenue Services has repeatedly called me, told me I could not set up a payment plan and now says that I am required to tell them how much I am getting back on my income taxes this year. I dont feel that I should be required to disclose that information.
Consumer complaint received 2023-01-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Titanium Funds (UT)

On XXXX XXXX Titanium funds called me to get a payment for a vehicle I crashed ( XX/XX/XXXX ). First off I was told I had traditional GAP insurance ( day I bought the car ), come to find out after my car had been totaled I had collateral damage insurance. They arent the same thing. They told me I could go back to the dealership I bought the car to get my old cars balance wiped clear ( XX/XX/XXXX. Told them that isnt gunna happen I already bought a car and wasnt going to have a high interest rate. I got my lawyer involved to help resolve the situation. I had let titanium funds know what was happening and they proceeded to call text and email me daily. 
XX/XX/XXXX I received a call from titanium funds, I told them the situation again and told them I would not be paying for the car until I was instructed to by my lawyer. The gentleman on the phone told me no lawyer would ever tell me that, I told him yes they would because they did. I told him I have dealerships, lawyers, and family who have seen this tell me to stop paying. The gentleman proceeded to tell me nobody would tell me anything like that. The gentleman was very disrespectful to me. I asked him to put a FULL cease and desist on my account I didnt want further communication with titanium funds. He told he wouldnt do that due to my account being an open account and me owing balance. I informed him I worked in auto financing, so my jab is the exact same his is and I know he HAS to put a cease and desist on my account if that is what I request. The gentleman on the phone said once you learn the correct verbiage I will put a cease and desist on your account. I proceeded saying you are harassing me so put a full cease and desist on my account. The gentleman on the other line refused to put one on my account. I ended the call and emailed titanium funds this is your written notice to put a FULL ceased and desist on my account. DO NOT contact me, my references, relatives, neighbors, or my place of work. Proceed to XX/XX/XXXX I received a text and an email. I didnt respond. XX/XX/XXXX I received two calls back to back, a text and an email. Again didnt respond or answer the phone calls. XX/XX/XXXX ( today ) I received two calls back to back, a text and an email. Again no response
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX XXXX. ( XXXX  ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within 3 business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all hard inquires, potentially negative accounts & late payments as well
Consumer complaint received 2020-01-14
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: FactorTrust, Inc. (GA)

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

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Received 5 letters with different account numbers stating closing account due to inactivity. 
Spoke with credit card company administering the letters to report i never had an account with them. Also verified that my social security number was used on the opening of these accounts. however, the name used was a previous one used 25 years ago with my current address.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, XXXX  and Transunion customer service lines and none would help after, having the police report and FTC report mailed to them.
Consumer complaint received 2024-04-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TN)

Cash app allowed a bank to take XXXX out my account and didn't put it back into my account. They said they couldn't help me. I filed two disputes with them and haven't heard anything from them. I would like my XXXX back immediately within the next 5 days or less.
Consumer complaint received 2022-09-30
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. (TX)

I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!
Consumer complaint received 2023-01-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
CXXXX 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 XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (NY)

did not receive statement from Statefarm credit card for over 6 months and had trouble on and off with their website for over 2 years ( login in ). I XXXX the balance on the card. Had a recurring payment I did not know about. As a result of getting no statements electronically via email or postal mail I was unaware of the {$50.00} balance. Henceforth I was 3 months late and only found out when I received a letter in the mail closing my account for delinquency. These late months were reported to all credit agencies and negatively affected my credit score impeding me from taking loans, doing credit card transfers and buying a house.
Consumer complaint received 2022-09-30
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (MO)

on XX/XX/18 I called chase bank, XXXX XXXX, and XXXX XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time  forgiveness. chase said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX   said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like chase completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX  did close the account but I am still seeing those late payments. XXXX XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those XXXX mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on  my chase payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Consumer complaint received 2021-12-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (OH)

So I called to find out what this was about because I never heard of a XXXX and XXXX XXXX and so I don't know he told me they made several attempts to reach me but when I searched my email they only made one attempt and went straight to my credit report without allowing me to take care of it before it went to my credit report I attempted to have a conversation with the guy but he kept trying to overtake Me Too! And II don't even remember this is payday loan and that payday loans are illegal in Ohio so that may be why We stopped communicating with XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

OnXX/XX/XXXX, this company reported false information to the credit bureaus. The company said I made a {$90.00} payment on a very old collection. This is the third time they report false payments made by me. This false payment will now allow them to re-age this debt and it will continue to harm my credit score. This debt has less than a year to report, according to statutes. Theyve tried to garnish my wages back in XXXX and the courts would not allow it. Now they are lying about payments and trying to re-age the account. This is not legal. You can not report false information.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates (GA)

In response to CFPB complaint # : XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the accounts reporting on my XXXX consumer report, XXXX B which is a copy of their response to CFPB complaint # : XXXX, and a pdf of an XXXX report that will be labelled as Exhibit C when filing for litigation in Federal Court to this complaint. 

CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period. '' I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant XXXX XXXX XXXX ( XXXX ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

CREDITORS BUREAU ASSOCIATES stated that " Attached is the documentation of the statement from the original creditor as well as a breakdown of charges and credits. '' As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 

The Creditors Bureau Associates also stated, " The balances have been validated with the original creditor as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the XXXX and the XXXX by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2022-11-12
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. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX of 2019 my auto lease was paid off by my insurance company due to my car being totaled out. The leasing company has not updated the credit report since XXXX of 2019. Right now my report still shows that owe over XXXX dollars on a lease that was paid in full.
Consumer complaint received 2020-01-08
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: Credit Plus Inc (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit