davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (MS)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached! 
BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (OH)

Ive told them I was going back to school in XXXX last month, XXXX and XXXX. They have been harassing me and my co-signer. I asked for a lower loan payment options they told me no. Im no longer employed they told me I didnt qualify for different loan repayments. I been unemployed since XXXX of XXXX. They have been lying to me and my co-signer with false information. Every month they tell me my loans will go into collections on the XXXX of EACH month if I do not pay. They have been calling other family members who know nothing about the loans who are ill and already dealing with stress. They told me I dont qualify for deferment plans and I must pay immediately. They are calling my XXXX  grandma after business hours. My monthly payments use to be XXXX a month now theyre telling me the lowest I have to pay is XXXX! Also everytime I pay a minimum amount via phone they still tend to harrass me, so if the minimal payment is not enough why lie.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

This company does not have my written or verbal consent to furnish this private and personal information. Pursuant to 15 USC 1681b they are violating my rights by illegally furnishing my personal information without my consent this amounts to aggravated identity theft pursuant to 18 usc 1028. I expect full compliance to remove any personal information at my demand. 

All three of these account need to be removed immediately upon receipt of this complaint for violating my rights and not receiving consent to furnish this private information. It is damaging to my credit reputation and has effected my emotional and XXXX XXXX 

XXXX XXXX XXXX ( {$620.00} ) XX/XX/XXXX XXXX XXXX ( {$250.00} ) XX/XX/XXXX XXXX XXXX XXXX ( {$600.00} ) XX/XX/XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have purchased myfico and XXXX XXXX in regards to my Experian report & they are not furnishing my report to them. I have tried to get my report from my free annual credit report as well and they are unable to locate my report. its supposed to be easy to obtain my consumers report. & without reason they are making it hard to view.
Consumer complaint received 2022-12-29
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date : XX/XX/2023 XXXX  Date : XX/XX/2023
Consumer complaint received 2022-06-03
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: HYUNDAI CAPITAL AMERICA (FL)

good morning, I have already filed a complaint with Hyundai motor finance back in XXXX ... with the matter of a lease i paid off, to buy another new car .... 
this is XXXX, and XXXX credit bureau is still reporting this paid lease on my credit report and has been for some years now... i have reached out to XXXX to try and clear up several times online with disputes on this closed and paid account!!!! 
The complaint i have is, ,everytime a complaint is filed they keep lowering my credit score, now this has been going on for years now .... 
They have lowered my credit score over 180 points in the last 5 to 6 years now ... .when is this going to stop or end... 
I either paid this lease off or it was charged off back in XXXX..my balance is XXXX either way... it has been several years now since i leased this vehicle in XXXX... 
How do i regain my credit score back with XXXX and finally get hyundai motor finance to stop reporting on this account as it keeps reporting on my credit report???
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I would like to get a loan modification on my existing mortgage and no one is trying to help me with that. I am not satisfied with my new mortgage service. My loan was sold to them this past year from XXXX XXXX. I can never get anyone on the phone or any response to my emails. I am very concerned. I just want to talk to someone about a loan modification. Please. 
Thank you.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (CT)

i recieved a collection notice from a legal firm along with a court with an post judgment remedies interrogatories From State Of Connecticut XXXX Court. 
Date of judgment. Amount XXXX XXXX, 2001. XXXX awarded to ASSET ACCEPTANCE LLC # illegal practice # XXXX Accet Acceptance illegally setteled a Debt through My Father without my knowledge but they had me give authorizatin without verification
Consumer complaint received 2022-12-29
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. (OH)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.
Consumer complaint received 2022-06-03
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. (WA)

I contacted XXXX  and XXXX XXXX to discuss the possibility of removing negative material from my credit report in exchange for payment of the account to satisfy their requirements to do so. BOTH parties agreed if I paid the collections in full negative material would be removed or updated to have all missing payments and material negatively impacting my credit would be removed and the account would at most be updated to read as a charge off that has been paid in full without missed payment history being reflected in any way. Attached is the documentation on the XXXX XXXX side of the conversation and the evidence of the payment I made ti clear the account over 30 days ago. They have since followed thru and removed the negative information they had control of from my credit report. After 3 separate disputes on all 3 bureaus XXXX XXXX refuses to remove ANY of the negative material they assured would be deleted in exchange for payment.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of job scam but also a victim of Chase deposit department. A company ( scammers ) asked me to deposit a check of {$2200.00} ( then later another check of {$3000.00} ) to my account and Chase cleared the check and money was available so I made XXXX different XXXX payment. I believed the check was legitimate because money was available to withdraw. {$2200.00} was clearly deposited into my account. I as a customer believed Chase. Chase should have not cleared the check if the check was altered or fraudulent because chase did not clear the XXXX check ( {$3000.00} ) Chase then found out a few days later the check was altered and took the {$2200.00} out of my account and also charges me {$12.00} for altered check. Chase should have not cleared the check at the first time. I as a customer believed that the check was legitimate I had no idea the checks were fraud!! Why did Chase clear the deposit and money was available. I would not made XXXX payments to scammers if chase did not clear my deposit. If chase found it earlier if check was altered. I lost money to scammers but I think I lost it to Chase not scammers. Chase should have not deposit my check. Chase should have found out the check was altered I could have prevented the scammers if Chase did not clear the check like the XXXX check i am a victim of scammers and Chase deposit department.
Consumer complaint received 2022-06-03
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: Siggi LLC (HI)

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX To Whom It May Concern : The following account was charged off on XX/XX/2019. Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : OMNI FINANCIAL XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-06-03
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. (GA)

I have disputed these negative items and inquires multiple times. The information is incorrect and not accurate. The dates open and amount are different. All three Bureaus are reporting different information. I contacted the creditors several times. My personal information I provided did not match.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I lost all of XXXX could not work tried everything to get the credit card companies to work with Me. 
I have contested this 17 times. the collection agency keeps moving it to another offices adds more money to it saying it is new Debt. 
The Charges are from XXXX this debt is too Old every time I get my credit up above XXXX they make another false statement. 
My recent Contested claim my balance was XXXXXXXX XXXX  after dispute now it is {$1900.00} another Lie. Calvary is the The Company I has been doing this two me. 
They have been calling and hanging up everyday at least 5 times everyday of the week. 
One of their False statement caused my Credit to dip to XXXX I climb back they do it again. 
In the last 40 Months I current 100 % to all creditors.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX, was put on my good credit report that does not belong to me and never had dealings with this company. I have tried several times disputing this off my TransUnion, XXXX & XXXX and XXXX is the only Bureau that has deleted it of my good credit. Showing on my good credit report it is showing : 1 - Date of First Delinquency, 2- Date Assigned XX/XX/XXXX XX/XX/XXXX XXXX - Date of Status & Balance XX/XX/XXXX This is not mine.
Consumer complaint received 2022-06-03
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)

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX XXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Consumer complaint received 2022-06-03
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. (TX)

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX XXXXXXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Consumer complaint received 2022-12-29
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. (OH)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.