davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-06
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-05-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tebo Financial Services, Inc. (OH)

I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ).

My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Prizm Financial Company, LLC (WI)

I have received numerous emails from the company always from a different person about my loan. I am not even a month behind and paid half a payment this month because of financial hardship. I told a person earlier today through email that I would pay the other half plus get caught up completely as soon as I got my pto payout from my former job and should not have any more issues after that if they would be patient for approximately another 30 days. Later this evening I received another email from a different person telling my my car is on the national hot list for missing cars and repossession has begun. The email stated that there is a XXXX out on me and the car. I have asked them to call me instead of emailing me also. They say they want to work with me yet they continue sending emails. This last email was totally unprofessional and threatening. I simply asked for some time and a change of due dates and an extension but this has not worked.
Consumer complaint received 2018-11-27
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. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-27
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NJ)

Citibank ( Student Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of Citibank as stated per CFPB vs Citibank. Until there is a finalization of the current findings of violation, Citibank should not report any accounts of fraudulent nature to all the credit bureaus.
Consumer complaint received 2022-07-27
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. (MA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
Consumer complaint received 2018-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, the company XXXX XXXX XXXX XXXX was bought by another company known as XXXX. I owned shares in XXXX XXXX. On or about XX/XX/XXXX, I received a check for the shares I had owned in XXXX totaling {$3200.00} with Wells Fargo Bank, NA as the disbursing agent, check # XXXX, account # XXXX. 

The check was misplaced and subsequently later found in XX/XX/XXXX. On the check was printed " void after 180 days ''. I took the check to the local Wells Fargo bank and explained what happened. I was informed by customer service that they could not cash the check because the check was beyond the valid date. Additionally they alleged that the check needed to be re-issued by the company however, XXXX transferred all funds to Wells Fargo as they were dissolved as a company. Since Wells Fargo is listed as the " disbursing agent '', they hold all funds. Consequently Wells Fargo converted those funds to themselves and still holds said funds. They did not forward the proceeds of the un-transacted check to the State of California as unclaimed funds. At this time it is my allegation they kept the money within their institution and will not take any action to assure I receive my proceeds. 

Wells Fargo, NA through their own admission based on a settlement they entered into, have been guilty off unfair practices regarding consumers. This is a further example of their duplicitous business practices.
Consumer complaint received 2018-11-27
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: Mr. Cooper Group Inc. (NY)

On XX/XX/XXXX a hard inquiry made by Mr. Cooper without my authorization. 

# 1 Filed Bankruptcy on this mortgage in XXXX, XXXX ( case # XXXX ) Removing me from the Mortgage Note, but not the Deed, initially with XXXX, sold to Nationstar, AKA Mr. Cooper. ( No intentions to reinstate this loan/Debt ) # 2 My husband wanted to refinance the mortgage in his name only and has been contacted by : XXXX XXXX NMLS ID XXXX Nationstar Mortgage d/b/a Mr.  Cooper ( XXXX ) XXXX XXXX Address : NSTAR/COOPER XXXX XXXX XXXX, TX XXXX # 3 I never even spoke to XXXX XXXX to give Authorization to pull my credit, let alone where did he obtain my SS #? My husband never gave him it. 

I am absolutely furious that XXXX XXXX somehow found my SS # and used it to run a credit history to refinance a mortgage that I never authorized, this is fraud, illegal, and Identity theft.. 
I was able to get a hold of Mr. XXXX XXXX to ask him why he illegally ran a credit report on my behalf without my authorization, and how he was able to get my SS #. 

His reply is that because I am married my husband can authorize for me, NOT TRUE! 
( How often does Mr. XXXX use peoples SS # to obtain info without Authorization ) or ( by asking a spouse or significant other??? ) My husband never gave Mr. XXXX my SS #. XXXX also stated : and it doesn't matter if I filed Bankruptcy because my name is still on the note, Still does not answer how he obtained my SS #, ran a credit report and why he cant remove the hard hit on my credit report. 


I want this investigated and this hard inquiry removed from my credit report! 

Mrs. XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I have thousands of dollars in my Citi 's checking account. For some reason, I haven't receive new debit card due to moving. When I moved to XXXX TX last year, I noticed my online account was blocked and I can not use my check. What's worse, Citi closed all their local branches, so there's nowhere to solve the problem locally. Then I call their customer service, they said they can not help me as I don't have the new debit card number ( I never receive, or activate ), and they ask me to write a letter to an address in XXXX XXXX. I did as they asked in XX/XX/2017, and never heard back until now. I HAVE A TROUBLE TO USE MY OWN MONEY!
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

The information is as followed, I C SYSTEM Last reported : XX/XX/2018 {$170.00} Needs Attention Overview You've paid off XXXX % of your collection amount. 
Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX This is not my debt ; and I have absolutely no obligation to this debt.
Consumer complaint received 2023-03-27
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. (GA)

Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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. (SC)

Please investigate this information I am submitting, I've gotten nowhere sending in disputes via certified mail notarized documents and fax. Please block and or delete this information from my credit reports. When I call I get outsource to XXXX or XXXX, my items come back verified electronically. I just want an actual person to read and respond to me, its very frustrating to have my information compromised, and have to go back and fourth for so long and still not get results.
Consumer complaint received 2022-07-27
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. (CA)

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. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. These items ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous items and have it corrected. 

XXXXXXXX XXXX XXXXXXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX, XXXX  Inquiry Date XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Upon checking my recent credit report I noticed an account from a LVNV Funding. I have not received a written notice to dispute the validity of this debt. I will need time to review this once I have received this notice so that if it is valid I may get the issue resolved.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

I was provided two different predatory loans to me at two different times. One in XXXX and the other in XXXX. I was unable to pay for the loans due to income issues and asked originally for a modification. I was denied and then had to default on the loans. Finally when I applied for a modification and deferral of payments, we came to an agreement of a fixed amount for the the next 6 months to start at the end of XXXX ( next month ). I have the documents. Well they decided to start taking ACH withdrawals out today in the full amount of the loans and took out twice the agreed upon amount leaving me with no money right before pay day. Not only are they in breach of contract but they are also in breach of fair lending laws from the original contract. This company is fraudulent in their actions
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Equifax after several attempts to get a complete credit report. Equifax sends few pages all mixed up. they will not send a complete report with all the pages they send pages missing and not a full report. Skipping pages and sometimes 3 pages other times 1 or 4 pages. ( I did not request a credit score ) I requested a full detail credit report from Equifax.On XXXX XXXX there claim is on there letter is no current file, no recent credit applied for, no credit in last 10 years just some excuse of there error after error and not sending the full report as requested several times. nothing but the run around with Equifax. I have also filed with the US Attorney office consumer issues. 
My name is XXXX XXXX not ( XXXX XXXX ) as you keep adding a ( XXXX  ) to XXXX you have my social date of birth as well as my name spelled out stop playing games with my name and error after
Consumer complaint received 2023-03-27
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (NY)

PROFESSIONAL DEBT MEDIAT XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have paid the original debt in full twice. First payment was to the original source of the debt. The second time was to this collection agency who has refused to acknowledge the payment and continues to harass me. Please investigate this predatory company.
Consumer complaint received 2018-11-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I disputed XXXX XXXX XXXX on my Experian report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet Experian and XXXX verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2018 XXXX XXXX unlawfully repossessed my vehicle without due process of law. XXXX XXXX failed to send any notice of intent to repossess vehicle through neither certified or registered mail. Additionally, XXXX XXXX failed to validate any debt obligation before repossession, and neither did they loan me any physical money. XXXX XXXX  fraudulently used my name to obtain funds through the Federal Reserve System. They failed to produce any original documents as requested and have already sold the loan package.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.
Consumer complaint received 2022-07-27
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.