davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-18
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)

All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA. 
1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXXXX/XX/XXXX Account Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX  XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

I was not aware or informed of the closure of my Chase Freedom Account until I tried to make a purchase and was very upset because of the inconvenience. This closure has also had an affect on my Credit. I am a single mother of 4 and work hard. I've had financial hardship and I have still been making payments once and sometimes twice a month. I have scheduled monthly payments as well with a Chase representatives to pay down my account balance and none of the Representatives is able to tell me the date of closure and the reasoning why the account has been closed.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. 
Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my non public personal information to non-affiliated 3rd parties and consumer reporting agencies without my consent.

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2018, I sent a letter to Citizens Bank requesting an opt-out of the arbitration clause. I also requested paper statement delivery, a change to my privacy preferences, their fax number, and I reported a website bug. This letter was ignored. It was posted to the arbitration opt-out address. I have attached a copy of this letter. Then on XX/XX/XXXX, I sent two more copies of the letter, each of which were addressed to different addresses ( XXXX XXXX XXXX, XXXX, RI and XXXX XXXX XXXX, XXXX, RI ). Both of those letters were also ignored. Apart from all three letters being ignored, I also confirm that Citizens Bank has not sent me any paper statements. The most recent statement I have on file is that which closes in XX/XX/2018.
Consumer complaint received 2018-09-11
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)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

since XX/XX/2021 I have been trying to get XXXX to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being dispute Collection is XXXX XXXX XXXX Opened XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (FL)

With the XXXX XXXX company I had an account with them I had all my payments a day XXXX day I bought a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX of XXXXXXXX XXXX they sent it to my home address but the phone never arrived and never signed as I had reduced it I contacted XXXX and they took it for lost after I communicated it to the telephone company XXXX which they started an investigation at the end of time they contacted me that they were going to make a full refund of what was paid by the device then I canceled my services with them so I asked them to send me the bill of the debt that I owed less but a month of receiving it they were charging me the debt of the debt of the XXXX XXXX XXXX XXXX making a total of more than XXXXXXXX XXXX then I contacted them again so that they checked that amount of debt was wrong they said yes and that they were going to solve it but I kept receiving the bill wrong
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Our daughter graduated from XXXX. We took out a parent plus loan all 4 years. When we add up our total with those Federal loans, it's correct. BUT, Navient began contacting us with a balance of {$28000.00} and offer ZERO information on what that is, why they have that balance, we have tried ( without success ) to get an explanation. It seems they have a portion of the SAME loans that Federal loans are already including. So our daughter is struggling to make a payment to her federal loans each month and also to Navient because no one seems to be able to explain why they have it or what it's for. She's basically put out over {$1000.00} to them but each phone call they have treated her with total disrespect as if we are supposed to hand over money she works hard for with no explanation. At the very least if it is legitimate, we would like to have them all with federal so that one payment can be focused on. Navient is a horrible company we don't want to be dealing with while we trudge through this debt. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MD)

On XX/XX/XXXX XXXX XXXX XXXX added a collections on my XXXX portfolio. I called the company who directed me to att u- verse. I called att and asked questions about the account and the instillation address was in Texas. I havent lived in Texas since XXXX. I proceeded to go through identity theft protocol. I froze my credit and reported the incident to the police. Soon after the collection dropped off. On XX/XX/XXXX I received a collections for the same issue from sequium asset solution I called to dispute the charge due to identity theft and was not given the appropriate information and was given the run around regarding removal from credit
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

This is an addition to complaint # XXXX The public records data from LexisNexis does not comply with the National Consumer Assistance Plan ( NCAP ). I've been iterating the fact that inaccuracies exist in my report.

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of LexisNexis document.

The data from LexisNexis only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report.

According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from LexisNexis reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here LexisNexis claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to LexisNexis, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore LexisNexis is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by the credit bureaus, XXXX and XXXX which cite LexisNexis as their " source. ''
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

Id like to see the orginal contract that was signed in XX/XX/2012to verify my signature on he XXXX cell phone bill account. The current amount owed according to the caller is {$930.00}. I am disputing the debt and request it to be validated. They called me and I told them Id have to call them back later because Im currently at work. The caller then wanted to transfer me to someone else and continue to inquire about the debt. Im disputing the debt and would like it validated and I request that it be removed from my credit report immediately.
Consumer complaint received 2018-09-11
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: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX is committing fraud. I pulled my credit report and I noticed XXXX XXXX is negatively affecting my credit profile.I never had a contract with them, I never agreed to do business with them, and I never received anything from them. They are stating they bought a debt from a creditor and they have been reporting since last XX/XX/XXXX. I have tried disputing this inaccuracy in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with them but they haven't sent me anything they just keep verifying to the Credit Bureau. XXXX XXXX is breaking the law, according to FCRA all information reported must be 100 % accurate not fraudulent. Please delete this inaccuracy / fraudulent information from my credit profile.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

A title loan was taken out in my name in the amount of XXXX I did not open this account. The loan number is XXXX. Monthly payments have been made on this account but I did not open this. My vehicle was broken into my identifying information was stolen and some one reopened a loan. I need this resolved and I need my title back
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX IL 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
Consumer complaint received 2016-08-04
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Collection Bureau, Inc. (FL)

I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off
Consumer complaint received 2019-08-30
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: FactorTrust, Inc. (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.