davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. 

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-03-21
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: HSBC NORTH AMERICA HOLDINGS INC. (UT)

A 14 year-old debt attempted to be collected upon. I did at one time have an account with one of the companies he'd mentioned ; However, it's been settled for over a decade. It doesn't even show on my credit report any longer.
Consumer complaint received 2022-02-15
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. (NY)

Experian shows that the inquiries on my Experian credit report will be removed 25 months after the inquiry. However, I thought inquiries stay on your credit report for up to 24 months. 

I continously call Experian on the 2 year anniversary of the inquiry and usually a dispute is opened and the inquiry is removed. 

On XX/XX/XXXX I contacted Experian regarding an inquiry from XX/XX/XXXX and I requested the removal of the inquiry and I was told that inquiries stayed on your credit profile for 25 months. The dispute was not open and the inquiry remains. Please advise.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NC)

Every time I apply for credit that company reply a different score that Experian is giving them. I have an Experian account and I keep that account locked due to this issue. It seems as if Experian data base is giving a different score to the companies, indicating there might be some kind of error or fraud when it comes to my Experian account. 
Experian has reported my credit score falsely on several occasion to my loan and credit applications. I am including this one response from XXXX XXXX Bank. Experian reported to them that my score was XXXX and my Experian account had XXXX. I am trying to work on my credit which is my responsibility and Experian is not doing their job and protecting my legal rights to reporting the correct scores. I know that I can't be the only consumer having issues with Experian.
Consumer complaint received 2019-01-10
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: Experian Information Solutions Inc. (NJ)

I pulled my credit profiles and noticed multiple credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable as the address didn't exist. I subsequently contacted Experian regarding the inquiry on my credit profile. Experian signed the certified mail receipt from my letter on XX/XX/XXXX. It is now more than 30 days from the date of my dispute and Experian has neither responded to my dispute or removed the 2 unverifiable inquiries from XXXX XXXX XXXX.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

I sent in 2 letters regarding my credit report to each bureau including to ALDOUS. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed ALDOUS reporting false inaccurate information. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around for any real verification. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed ASAP because I am not liable for a debt to a company I've never had a contract with. The false information on my report is unfair and I've already explained to the bureaus and ALDOUS representatives about this matter. Please help me figure this out.
Consumer complaint received 2019-08-01
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. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I sent in 2 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a collections account ( XXXX ) show up on my report. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on an account I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 2 months now.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, I deposited my stimulus check in the amount of {$1400.00}. Instead of giving me the opportunity to correct the endorsement they did not allows me to redeposit the same check with the following corrections ( attached ).
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions EXPERIAN XXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXE ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.
Consumer complaint received 2021-06-14
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. (CO)

I sent in 2 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a collections account ( XXXX ) show up on my report. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on an account I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 2 months now.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (GA)

Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TN)

XX/XX/2021 age of account a year and four months from speedy cash can debt collectors have been contacting me they woke me up while I was sleeping they call me at night time when I was trying to put my little girl to bed and they keep harassing me about money from four years ago or more Also the time that they said I had the loan I was incarcerated And theyre saying that it was a year and four months ago which is IncorrectAnd they put the account with the negative pay status and its messing with my credit that Im working so hard trying to build up so I can be able to afford a better place for My little girl and I to move to
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NC)

I pulled my XXXX  report. Looking into that after seen XXXX late payments on Experian. I called my XXXX  where I received the loan for my car. I see Experian say I owe XXXX, XXXX has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (VA)

I filed a dispute with XXXX about an account from XXXX XXXX XXXX that got sent to collections. XXXX XXXX XXXX was the collection agency. The dispute was filed on XX/XX/2022 the file number is XXXX. I paid the collection agency on XX/XX/2022 and a representative said they were going to report to the credit agency on Friday XX/XX/2022 and they didnt so I filed a dispute. XXXX said that I didnt pay the collections agency so they were keeping it as the debt was never paid, I have proof of payment.
Consumer complaint received 2022-02-15
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. (MI)

Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off XXXX debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Case no : XXXX CFPB closed this case prematurely. Discover clearly states in their letter to expect a response within 30-90 days and CFPB closed the case before the response was received. Please reopen the case as it is NOT settled. 
We can solve this case in one day. All Discover bank has to do is to show the signature on the credit card application form AND the I.D . Used by the applicant and we will have our answer. 
Like I said I was living overseas since 2010 with NO legal address or utility bills hence could not produced the same. 
Do the right thing. Do not close this case until it is resolved. 
Thank you. 
XXXX. XXXX XXXX. 
( XXXX ) XXXX.
Consumer complaint received 2022-07-06
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. (NC)

I pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, Equifax has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, we started process with pre-approval with company A 's loan agent. The whole exchange went smoothly with exchanges of information. I was verbally given a pre-approval was ready to go only to find out a month later in XX/XX/XXXX, The loan agent gave my finance information to a mortgage to a broken without my consent, and undesirable terms.
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (LA)

On XX/XX/XXXX Santander Consumer USA sent XXXX XXXX out to my home to seize the car .Defendant is an Illinois corporation with its headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX in the XXXX XXXX of Texas XXXX This case was previously settled in court after I filled a complaint on XX/XX/XXXX see your files,XXXX consumer protection file number - The statute of limitations has expired and Santander is still sending people to my house in an effort to harass me and my son. Please make them stop and take my vehicle off any list of recovery agencies they may have. They are aware of this debt expiration date and still harass me and my son. I wish to take legal action through you all.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, XXXX has I owe XXXX and Transunion says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Consumer complaint received 2022-03-21
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. (GA)

Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (PA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!