davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2019-06-21
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. (TX)

I HAVE NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.
Consumer complaint received 2020-02-08
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: Nelnet, Inc. (FL)

I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX and now is showing up on my XXXX as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX compared to my XXXX, please help!
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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 2023-05-19
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. (NJ)

please be advised that experian, and transunion and XXXX has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX XXXX XXXX XXXX XXXX also incorrect data being reported by the same credit reporting agencies. they has not reported XXXX account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.
Consumer complaint received 2020-02-08
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. (GA)

The information provided below is the same information dated on the same dates that I've sent to all the other credit reporting agencies. XXXX and XXXX have both investigated the accounts in questioned and have since complied by deleting these inaccuracies off my credit report. 
-- -- -- -- -- -++++++++++++++++ -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Credit Information Services,  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2019 Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the creditors in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see the following entries : XXXX XXXX XXXX   XXXX XXXX, judgement from XXXX Superior Court for {$6000.00}. 
Auto Loan with XXXX XXXX. It shows a balance of {$14000.00}. 
XXXX XXXX collection for {$1000.00}. 
SSA/Office. Collection in the amount of {$35000.00}. 
XXXX XXXX collection in the amount of {$370.00}. 
XXXX XXXX in the amount of {$610.00}. 
XXXX XXXX XXXX for {$3100.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with these creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Thank you for your assistance regarding this matter. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I open a complaint on XX/XX/XXXX one day the next day your office closed it out saying that this is a duplicate complaint it is not this complaint is in reply to their response Each time they keep lying to your office and keep pushing the dates back. Enclose you will see what they have been doing to me and cheating me for years. First of all in XXXX I refinance with this Company around XXXX} they gave be a credit line of {$100000.00} I took out XXXX and that was it This was a Home Equity loan than about five years ago they changed it to a mortgage.. Now after Ten years they have my balance the same amount. I never used all of the loan but if you look at the statement from last mouth you will see what I talking about for years I've paid in XXXX I paid XXXX dollars because they took my mortgage money and said that they paid my taxes. I put in a complaint then but they wrote to your office and was lying but the case was closed The next thing on going since XXXX I over paid them because I had used my second bank account in error once I found out what I did I paid them before the 15th of the month they cashed that check on that day and that's was the same day and date the cancel check came to me. It took months before they gave me credit for that month but then they tried to say I did not pay in XXXX. I had to show proof then for over a year up to this day they say I did not pay XX/XX/XXXX, Now they saying XXXX XXXX it was last and put everything behind. I'm enclosing bank statements from XX/XX/XXXX to XX/XX/XXXX your office have on file from XX/XX/XXXX up until XX/XX/XXXX. I have dealt with three Chairman of the Board Secretary since XXXX All of them lie but the worse is XXXX XXXX XXXX I told her that I no longer wanted to speak with her because from her mouth she said that she was not over anyone and they was all lateral to her. I told her that I wanted to speak with her supervisor, she then hung up on me. She called me a week later after I had called her and left a message on a Saturday about someone calling me back and her hanging up on me. When she did call she acted like nothing happen and said the phone must have lost signal. .I told her again I wanted to speak with her supervisor because she was a liar and I had no faith in her or her ability. She hung up I never received a call from her supervisor the next then I knew Calling CFPB that she wrote up a lie and the case was closed again. this is a big cover-up that will be reveal to the Nation and how this office treat minorities.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is reporting un-verified accounts on my credit report I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX University. 
Debit Card stolen, Tried to get CS to assist and still to this day. They haven't and they are still holding money. 
XX/XX/XXXX Chase Bank Checking and Savings account Compromised. 
They said they sent money to XXXX XXXX.I asked why? And what makes then think they are authorised to do so..They hung up in my face. 
BOTH BANKS ARE LIARS AND THIEVES
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.
Consumer complaint received 2018-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To begin with, the complaint is two-fold. One, Portfolio Recovery Associates have been calling me multiple times at my place of employment. I had told them several times that I am at work, and I can not be on the phone. Portfolio Recovery Associates have been calling me at work to discuss an old XXXX XXXX Account and XXXX   XXXX Account. On XX/XX/2018, I have contacted Portfolio Recovery systems to see about the XXXX XXXX Credit Card debt that is in my name, and to provide a resolution to resolve the accounts. Portfolio Recovery informed me that they can not resolve the account with the first amount that was being discussed to resolve the account. They then informed me that they can only resolve the account for {$390.00}. I have informed them that I am unable to resolve the account for that amount, and to see if they can work out a resolution. I informed them that I will contact them later to see what can be done. I contacted them later on that day. They informed me that the amount can only be {$390.00}, and a manager signed off on the agreement, although I have never made a verbal nor written agreement for that amount. Originally, the amount was {$660.00}, then it changed to {$650.00}.
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (DC)

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( 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 the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to XXXX, XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2019-06-20
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. (WV)

My name is XXXX XXXX. I am writing concerning XXXX and how they report payments as being not paid. In XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew XXXX  was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen XXXX has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several XXXX  customer service agents and all I given was no help. I tried through credit disputes with Transunion and XXXX no help. My problem is XXXX allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since
Consumer complaint received 2020-02-08
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)

Transunion has a XXXX XXXX account on my reports from XX/XX/2013. This account does not belong to me. Transunion is the only credit bureau report this inaccurate account on my report that is hurting my credit score drastically.
Consumer complaint received 2021-06-11
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: BBVA FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with Bank of America for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. BOA kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point Bank of America told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with BOA they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by XXXX XXXX. As to date BOA has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. BOA is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.
Consumer complaint received 2019-06-20
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)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and these line item needs to be deleted from my credit report.
Consumer complaint received 2019-04-22
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: Bread Financial Holdings, Inc. (WI)

IhavenoticedcreditinquiriesonmycreditreportsthatIdidnotauthorize.Ihavereachedoutbuttheywillnotassistme.