davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (TX)

I am urgently address the continued presence of fraudulent items on my credit report despite my previous attempts to have them removed. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively impacting my creditworthiness and financial stability.

As you are aware, I previously initiated a formal dispute and provided detailed documentation to support my claim for the removal of the fraudulent items from my credit report. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report.

The continued presence of these fraudulent items undermines the integrity of my credit profile and poses a significant threat to my financial well-being. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2021-05-13
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. (TN)

Trans union is reporting inaccurate and outdated information regarding student loans. The XXXX XXXX XXXX accounts were paid on time and in full more than 10 years ago.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NE)

I actually have XXXX complaints about Toyota Financial Corp. 
The first is their calling practices. They will initiate collection calls well ahead of when the payment is actually late. They claim they are reminders, but they are clearly collection calls. The calls continue regardless of any arrangements made. Also, the caller ID never identify them as Toyota Financial. 

The second complaint against them is this : I had gotten a bit behind and asked them for an extension. With other finance companies, this has never been a problem. Toyota said I ca n't have one, fair enough I guess, but when I asked for a reason, and when I 'd be eligible for one they claimed that their company policy was to not give out that information. I 'm sorry, but " Because we said so '' is not an acceptable thing to say to a paying customer.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (NC)

On XX/XX/2022 I received a notice that I have an account in collections from Aldous and associates on behalf of XXXX XXXX XXXX XXXX. The open balance shows {$280.00} when it was actually {$230.00} owed. 
As of XXXX XXXX the balance has been completely paid but it is still showing a deliquent status in collections on my XXXX report
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (TX)

On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I submitted a complaint to equifax regarding this company and when I attempt to upload a document in this case a court order ( automatic stay ) the company website says : " we are unable to to upload your document at this time. '' It has given this message numerous times for over 1 month. This is an affects all consumers because you can not upload or give notice to creditors regarding your dispute. You then have to pay for a certified letter with return receipt in order to confirm both equifax and the creditor have received notice of your dispute/court order. One has to wonder ... Is this by design? Given the history of Equifax. They have to fix this error.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (PA)

On XX/XX/XXXX i tried to use my payfare atm card at a XXXX XXXX XXXX atm. The atm malfunctioned and didnt give me any money but the {$440.00} i tried to take out was still debited from my account. I filed a dispute with payfare and contacted XXXX. On XX/XX/XXXX i spoke to XXXX again and they said they recieved the dispute from payfare and that the atm had malfunctioned and they sent the money back to payfare. The money still hasnt been put back in my account yet. XXXX rarely responds to emails and only says it can take XXXX days which is unacceptable considering the other bank already returned the funds. When i call payfare to get a live update they just tell me it can take XXXX days and hang up on me with no real update
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (CA)

There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-05-13
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: CCS Financial Services, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNTXXXX
Consumer complaint received 2021-05-12
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: Nelnet, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (NC)

I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records and closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
This accounts listed are Not related to any transactions done by me.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.
Consumer complaint received 2022-01-22
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. (PA)

TRANSUNION BROKE THE LAW. 

Before I proceed, I'd like to remind TransUnion that per 15 USC 1681 ( a ) ( XXXX ) the banking system is dependent upon fair and accurate credit reporting. I have lost confidence in their ability to fairly report anything on my credit, which in turn makes me distrustful of the banking system. 

TransUnion is in violation of the following subsections of the FCRA. 

In 15 USC 1681 ( a ) ( XXXX ), Congress made it clear that TransUnion is an elaborate mechanism with no authority. Congress said in 15 USC 1681 ( a ) ( XXXX ) that they were not given this role, however their assumptions have caused me severe hardship due to their unfair reporting without first contacting me, the consumer. 15 USC 1681 ( a ) ( XXXX ). 

TransUnion has no proof any of these transaction even took place, and impartial information is being reported. Only one side of the story is being told. Transunion has infringed on my privacy by conversing with a XXXX party about me, and reporting this information as a result of that conversation. Based on 15 USC 1681 ( b ), this information did not meet the needs of the consumer. The negligent information they are continuing to report is defaming my character, and this false information being used it not equitable for me, the consumer. 

Per 15 USC 1681a ( XXXX ) ( a ) ( i ), if these alleged transactions took place, it would have been confidential in nature between the consumer, and the person, and TransUnion would have no way of knowing if it was accurate or relevant. TransUnion has betrayed my confidence, and due to these violations, I am DEMANDING the following accounts be excluded from my consumer report immediately. 

XXXX ) Alleged public record with XXXX XXXX XXXX CALIFORNIA. I have ALREADY provided information with the so-called " verified source '' that shows no such transaction on my report. You are boldly lying by continuing to report this information. Again, TransUnion is being unfair and discriminatory to me, the consumer. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX ) TXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXXS XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, the consumer, am being discriminated against XXXX and treated unfairly by TransUnion. I have provided true statements and cited violations of 15 USC 1681. If the above listed accounts are not removed from my consumer report, I will assume you are willfully violating your obligations under the FCRA and seek remedy for damages of up to {$1000.00} per violation. 

Fix this immediately.
Consumer complaint received 2022-01-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (GA)

I rented a car from XXXX XXXX in XXXX and returned it in good condition in XXXX debt paid in full. ( if it wasnt paid I could not work with XXXX until it was paid and thats who Im working for as of today since XXXX ) I received a letter requesting payment of XXXX. On XXXX XXXX, I sent a demand letter certified asking for proof of alleged debt and verification and documentation of who and why I owe this amount. I got no response. On XX/XX/XXXX I received another letter offering a settlement of XXXX. This company has fail to provide proof of this Debt. All payments for the car I leased through uber was paid on time taken out on my earnings every week. I do not owe them Please help!
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This complaint involves Portfolio Recovery Associates, LLC, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my XXXX  credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). 

Portfolio Recovery Associates, LLC is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. Portfolio Recovery Associates, LLC is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. 

On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that Portfolio Recovery Associates had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my XXXX  credit report. I included an attachment of my XX/XX/XXXX XXXX  credit report verifying my claims. 

On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with Portfolio Recovery Associates, responded to my complaint. XXXX claimed, PRA has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ...

She goes on to write, PRA does not control the way consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. 

This is a lie. 

On XX/XX/XXXX, I spoke with several XXXX  representatives who confirmed that XXXX  DOES NOT modify, change, amend, or alter any information furnished by a creditor. 

The same day, I submitted a rebuttal to XXXX fabricated XXXX XXXX XXXX statements, providing additional evidence that my XX/XX/XXXX XXXX  credit report still showed Portfolio Recovery Associates reporting itself as a Factoring Company. 

Tellingly, on XX/XX/XXXX, Portfolio Recovery Associates began reporting as a Debt Buyer under the Account Type of my XXXX  credit report. I confirmed with XXXX  on XX/XX/XXXX that this change in reporting was instituted by Portfolio Recovery Associates, not XXXX. 

It is clearly evident that both XXXX and Portfolio Credit Associates are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. 

I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving Portfolio Recovery Associates was reporting as a Factoring Company to XXXX  in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how Portfolio Recovery Associates began reporting as a Debt Buyer on XX/XX/XXXX.
Consumer complaint received 2022-10-12
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I also contacted the furnisher and they approve of DELETING the account from my file. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  I XXXX
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

Simple transferee my funds to BBVA and they have locked me out of my account its been 5 days of called customer service waiting hours on the phone and they just keep hanging up. I called another customer service line and asked to close my account and mail me my balance and they said I would have to transfer my funds out yet they locked my access.
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-01-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report