davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tirelessly disputed the XXXX inaccurate XXXX to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Consumer complaint received 2019-11-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Friday, XX/XX/2019 I reached out and called TransUnion twice to ask when only had only one inaccuracy that I disputed been deleted instead of all three. I informed them that according to Section 609, I was entitled to review any documentation and evidence proving these were my accounts. The first representation stated the she was not going to investigate any further and they are not responsible for proving proof to me of how they validated the accounts, when asking for her name she hung up on me. I proceeded to call again and got a representative by the name of XXXX, he told me that there is nothing that he can do to validate that these are in fact my account and file if I needed to file a complaint then I should do just that. I felt extremely mistreated by the fact that the representatives did not want to nor did they take the time to understand that they are violating my right by not validating these accounts and having them remain on my credit report. I need to understand the next steps to take in order to have these negative items that have not been properly validated from my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

Edfinancial doesn't provide estimated wait times or confirmation email on how my loan refund application is going. I also do not know how much I am getting refunded. They just want us to wait and referred me to get information from the department of education. I hope there is a way to get an estimated progress information updates from the organization or the department of education.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my grandmothers. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from Equifax. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to XXXX ( formerly XXXX ), my loan servicer, in XX/XX/XXXX XXXX my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or Equifax detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to Equifax or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXX of XXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (AR)

I am a victim of identity theft. I have tried to dispute it with multiple credit bureaus and the company. Yet nothing is being done. Southwest Credit XXXX is still not removing the account from my report or canceling the debt.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (TX)

Please refer to the enclosed dispute letter originally dispatched to your office in XX/XX/2023, which is dated, and time stamped for your convenience. I am requesting the removal of the accounts outlined in the aforementioned dispute letter on the grounds of both FCRA violations and negligence on your part. Of particular concern is the inclusion of the collection account XXXX XXXX XXXX. It has come to my attention that this account has been successfully expunged from my XXXX credit report due to inaccuracies in its reporting. Therefore, I find it perplexing that this account continues to be reported by your agency. It is crucial to emphasize that an adequate investigation was not conducted initially, resulting in these inaccuracies persisting. It is well within my knowledge that each violation under the FCRA carries a maximum penalty of {$1000.00}. I wish to convey that should the need arise to pursue this matter in small claims court, I would be seeking the maximum penalty for each violation. At this time, I am solely requesting the immediate removal of the unverified accounts, with a specific focus on the account held by XXXX XXXX. This request is grounded in the fact that this account has undergone investigation and been officially expunged from my XXXX credit report. I have attached documentation showcasing the presence of these unauthorized and unverified accounts for your reference.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Hallstrom Law Firm PLLC (AZ)

Back in XXXX, i was in the market for XXXX in XXXX XXXX CA and opened an acct XXXX but do to relocation to AZ I decided againat the service. The now closed Dental place received a check and insured me it would take 30-60days to return the monies to XXXX. 
In XX/XX/XXXX, XXXX rep. called me about setting up payment i explained the fraudulent situation and was told I still had to make payments on credit trade line until the check was received even though I never went through with the service offered so i did. I attempted repeatedly to reach out to XXXX XXXX about the check being returned as promised to XXXX and was informed they longer did business with XXXX and all further communications had to go through them but the check was sent back in XX/XX/XXXX. The XXXX rep. never confirmed the receipt and I had no discourse to rectify the fraud and stolen money. 
Fast fwd XXXX sold the acct to Debt collector Hallstrom Law Firm PLLC and I again explained it was fraudulent by false inducement of an unknown third party via email to XXXX XXXX XXXX himself who made me feel like there wasn't any alternative other than to pay the debt owed according to settlement agreement and threatened lawsuit if I didn't. In compliance and fear I've been making payments and they still reported negative non payment on my acct. I hired the XXXX XXXX XXXX to open investigation into the acct. and fix my credit. As a result, a dated letter of XX/XX/XXXX, from XXXX XXXX XXXX sent me stating that Identity Theft was confirmed and that related acct to XXXX would be removed from credit report in 30 to 60 days so I reached out to XXXX XXXX via email XX/XX/XXXX and scanned him the letter asking for complete release and closure of the matter including monies paid and he told me the letter does not prove anything and he does not see any reason to close this acct even though its fraudulent. 
Moreover, I reported the fraud to XXXX as it relates to the Hallstrom Law Firm and XXXX XXXX. This is not fair practice and I feel like I've been bullied with no recourse for something that's not my fault nor debt.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (SD)

BMW Financial Services is refusing to take a payment for the lease in full as vehicle needs end of lease and I have decided to purchase vehicle. BMW Financial wont take a check unless through a captive dealership or directly from me. Now not only have I thought the vehicle was fully funded as I was told my new loan funded so I put new brakes and rotors on vehicle costing over {$700.00} but I am liable for both the lease payments and the new loan payment which hasnt even funded the vehicle as BMW refused the check from XXXX XXXX. This is a monopoly forcing me to purchase and pay more for vehicle through their dealership than using a third party to purchase the vehicle. Now I am out money there I should not be having to pay. Nothing in my original lease agreement. States that I must purchase a vehicle through a captive are authorized to BMW dealership.
Consumer complaint received 2022-04-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently Equifax has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Equifax permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Equifax duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-10-17
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. (LA)

I am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-14
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. (MS)

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.

has violated my rights. Or list of inquiries 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 2022-10-17
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 am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I opened a PNC bank checking account on XXXX XX/XX/2021. It has a promotion that get get 2 direct deposits of {$1000.00} and then they will give me {$200.00} cash back bonus. I have already got 4 direct deposits in this account totaling more than {$2800.00} but no {$200.00} cash back bonus. 
When i asked them this question via secured message center, they are asking about the offer.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-08-17
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. (FL)

Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. 
XXXX XXXX XXXX XXXX XXXX