davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2019-04-18
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 have a large amount of credit accounts, 36 showing to be exact. I never view my credit on a regular bases. I found these account mixed in my credit report, once I took the time to study my credit by each line item. I have no knowledge of these accounts.
Consumer complaint received 2020-02-08
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: LEXISNEXIS (IL)

Ive notified LexisNexis on several occasions that they were reporting incorrect information on my credit report, I also froze my LexisNexis files and they continue to share my data with the credit bureaus. I sent them letters from the bankruptcy court stating they do not give this information to them. Yet they state this is where they got it from. They are reporting incorrect information and have not legally verified my information its been pass 30 days for them to validate this information ... I have not received anything from them.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I had a XXXX XXXX account closed and completely removed from transaction. A few months later it was put back on my credit report with a new start date. I wasnt given any type of 5 day notice of reinserting, section 6-11 of fair credit. I also for some reason have child support as a job & thats not correct. I also have numerous inquiries that arent attached to any files on my credit that I needed removed. The lady XXXX XXXX stated she cant help me in any way possible but she can delete the incorrect job info.
Consumer complaint received 2018-01-14
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
Consumer complaint received 2024-03-04
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. (NJ)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-09-25
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. (IL)

XXXX  and Experian are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-09-05
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}
Consumer complaint received 2021-06-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc. to no avail.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I had a checking account with Capital One 360. There was a deposit from SBA in the amount of {$29000.00} deposited into the account in XX/XX/XXXX for XXXX XXXX, due to covid19. In XXXX, Capital One froze that account due to " supposedly fraudulent activity ''. I called them and spoke with the representatives, mind you never speaking with an investigator at any time. I sent them the documents that they requested to show that I do have a legitimate business, with EIN for Sole Proprietor. These documents were sent on XX/XX/XXXX. I called a few days later to follow up with Capital One and was informed, again by the CSR, that the account had been closed and funds returned to the SBA by Capital One investigations. I am trying to find out why with no success. I then called to SBA to insure that the funds were indeed returned and they have no record and can not trace the funds. I am currently trying to trace the funds, along with an attorney from SBA to find out where they were sent. I am not getting any assistance from Capital One. I need this issue resolved so that I can assure I am not held accountable for funds that was improperly returned to the incorrect location and never makes it back to my loan. I have called Capital One several times and am told that I need a subpoena. I can only get a subpoena if there is a lawsuit. I do not intend to or never have I intended to file a lawsuit against Capital One. I need assistance in assuring that these funds are returned and I am not held accountable for the unused portion of the loan. 
In the interim, I am the only person held accountable for the funds from this loan. I am/was the account holder and have no way of obtaining a subpoena for records as I do not have a pending lawsuit against Capital One.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

In XXXX of 2019 XXXX XXXX incorrectly charged me a disconnection fee, I am currently receiving their services. I spent 4 months on the phone trying to get them to correct this fee. Every time I called they said it was corrected but 2 weeks later they would send another bill. They sent this incorrect bill in early XX/XX/2019 to Credence Resource Management ( a collection agency ). This agency has continually been harassing me. XXXX XXXX finally gave me my long overdue credit but Credence Company continued to be rude, unprofessional and not willing to listen to me when I called them to say I did not owe anything.
Consumer complaint received 2021-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc. (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX SoFi RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicing is improperly applying payments to our loan. And, they have not reported payments in over 6 months to the credit burro. Our credit score has dropped significantly! We have been declined credit due to this issue. I have tried clearing this matter for the past 2 months now. Shellpoint has yet to fix the issue, nor they have not bothered to out to me. I respectfully request a response - this has gone on long enough. And, we are suffering from their negligence!
Consumer complaint received 2019-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am being harassed by ace cash saying they have a lawyer they are filing a civil suit for fraud a lawyer whoever called my mom saying they are going to serve me with papers at work or home and also trying to get my information to my account
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with XXXXXXXX XXXX  XXXX put a lien ( XXXX ) on my home for a debt for a Midland credit card dated XX/XX/XXXX. This debt was included in my bankruptcy. 

In the letter, I gave them this information and request for them to remove the lien. 

I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (IL)

BSI Financial is my mortgage servicer, I have tried to contact them many times to enter into a forbearance/modification. I can't seem to get a hold of the right department and or person who can help. When I get a person on the phone they say that I need to talk with the loan officer in charge of my loan. That my loan officer knows that I called and that they will call me back. I have not heard from my loan officer and am not sure what to do next. Please help! I need a resolution to this problem. I want to save my home!
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There is an account showing on my report from XXXX XXXXXXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! I would like to have the item removed from my report.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX  EQUIFAX, XXXX  and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, EQUIFAX, XXXX are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
Consumer complaint received 2021-02-16
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. (TX)

I received my credit report from Experian and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I have had my score and my life ruined by XXXX Experian. And XXXX. I just had my debit card frozen from a purchase I was forced to make on the Experian website and I am in my 33rd DATA BREACH please help me. I also have had my XXXX  XXXX  recalled
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. 

I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. 

Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? 

Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. 

I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! 

Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. 

thank you.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (TX)

My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. 
I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX  years of age and in poor health, I am unable to work. 
For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one keeps reporting an account to all credit reporting agencies as mine. Ive contacted capital one numerous times and advices that account is not mine and Im a victim of identity theft. Ive provided capital one with police report however they are keep reporting and not removing this account.
Consumer complaint received 2018-12-31
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. (FL)

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.