davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
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. (IL)

Hello, I had an issue with Transunion regarding unauthorized inquiries on my credit report. I spoke to customer service and they were unable to assist me. They said that they could not dispute nor remove them. I explained the situation to them and they were not willing or able to assist me. I need these unauthorized inquiries removed from my credit report. 
XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX - Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (MI)

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

XXXXXXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX STATUS UPDATED- XXXX XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX  XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX  XXXX XXXX {$51.00} 7 ) XXXX XXXX  {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX   {$550.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MI)

I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX -Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX -Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX-XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX
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. (GA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-07-19
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I financed the vehicle thru Lexus Financial Services, the car was totaled on XX/XX/2019. My insurance company declared the car a total loss on XX/XX/2019 and informed me the amount of the total loss. They submitted a check to Lexus Financial Services on XX/XX/2019 for the amount. I was due a refund based on my overpayment. I have repeated contacted Lexus for the status of my refund due. They informed me that they only received the check from my insurance company on XX/XX/2019 this in spite of the fact that my insurance submitted documentation that the check was submitted by ACH on XX/XX/2019! Repeated calls to Lexus Financial have been made by me. I keep being told that they are still processing the claim. On XX/XX/2019 i was informed that the claim has been processed, i called on XX/XX/2019 and was told the claim has not been completed and they could not tell me when i would receive my refund. I will never use this financing company again.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XX/XX/XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX/XXXX   2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXXXXX 7.  XXXX XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.
Consumer complaint received 2017-05-27
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)

On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
Consumer complaint received 2019-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NH)

*On XX/XX/XXXX, I received from National Credit Systems, INC informing me of a account they intend to place into collection. 
*On XX/XX/XXXX, I attempted to contact them via phone call, no answer. 
*On XX/XX/XXXX, I sent via certified mail a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
*On XX/XX/XXXX, I sent a second certified letter with a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
XXXXOn XX/XX/XXXX National Credit Systems , INC reported this account to Credit reporting agency XXXX  .
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

In XX/XX/XXXX I sent Loancare {$200000.00} to recast my loan. The {$200000.00} was applied to my loan on XX/XX/XXXX.  This brought my loan balance to 47 % of the original loan. On XX/XX/XXXX Loancare deducted {$130.00} from my escrow for mortgage insurance. I assumed this might be for XX/XX/XXXX and ignored it. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I sent an email to Loancare 's support and asked why they are still deducting mortgage insurance when my loan is at 47 %. On XX/XX/XXXX I received this resonse " We have received your recent inquiry in regards to your mortgage account. Our records show that your records show that your recast modification is set to start on XX/XX/XXXX. '' I sent another email telling them that did not answer my question that the recast has nothing to do with my present loan balance. They did not respond. On XX/XX/XXXX I called customer care and the representative told me I needed to send an email to cancel the PMI. On XX/XX/XXXX I sent an email to support to cancel my PMI and return the mortgage insurance funds back to my account. I did not get a reply. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I called customer care again. I talked with XXXX # XXXX. I asked him if I could talk with a manager to get the mortgage insurance payments refunded. He said I ca n't talk with a manager but he sent an email to his supervisor who would get back to me in XXXX or 4 days. I did not get a response. On XX/XX/XXXX I called customer support. I talked with XXXX # XXXX. She told me it would be taken care of by Mid XX/XX/XXXX. I asked her to see if it could be escalated since I am refinancing. She told me to call back XX/XX/XXXX. I called customer support XX/XX/XXXX and talked with XXXX # XXXX. She told me they were not going to refund the mortgage insurance payments.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (UT)

Someone took {$620.00} fraudulently from my account have tried to call the bank they have closed my dispute two different times that I've had to reopen they say there's no fraudulent activity detected but all of the transactions were in Texas I live in Utah they were done while I was at work and I've called the bank several different times have been fighting with them all weekend about it and they say there's no fraudulent activity detected I've had to have them reopen the disputes twice now because they keep closing them and denying my money
Consumer complaint received 2019-04-17
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: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal Credit Union has been reporting a 30-day late payment on my credit report with XXXX, XXXX, and XXXX. The payment made on the account was kicked back from my bank due to my account information being compromised. By this situation, it caused the payment to be treated as a 30-day late. This situation was beyond my control and I've phoned, written and disputed the item every way possible with NFCU requesting a goodwill adjustment and was told no every single time. I've got perfect payment history on all tradelines in my name and this is hurting my ability to obtain good financing no matter what the request might be.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Trust Management LLC (LA)

In XXXX, I have obtained a installment loan from XXXX for {$1000.00} after an outstanding interest rate on the account I have not made any payment to the company because I did not agree with the unaffordable interest accrued on the account. On XX/XX/XXXX I have received a call from Global Trust Management about my account with cashnetusa in regards to making payment arrangements. I have never done business with this company whom have obtained my personal non public information 15 USC 6802 directly violating my rights to privacy, 15 USC 1692f 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have never signed an agreement with this company and have never once recieved in writing any disclosures on how my private information is being used. This company has violated the Gramm-Leach Bliley Act of 1999, Fair Debt Collection Practice Act, Code of Federal Regulations, and the consumers right to privacy.
Consumer complaint received 2021-02-16
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. (IL)

XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.
Consumer complaint received 2022-12-14
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

On XX/XX/2019, I received a letter in the mail ( dated XX/XX/2019 ) from a company called Franklin Collection Service , Inc claiming to have authority to collect a debt on behalf of XXXX for {$860.00}. I do not now, nor have I ever had an account with XXXX. I don't even have cable, but when I did have cable, it was through XXXX XXXX. I still use XXXX for internet service. Either this letter is fraudulent, or someone stole my identity to open an account. I have had no such correspondence with any other company and my credit report says no accounts have been open in my name for XXXX year so I suspect that this letter is fraudulent.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

The folks at LexisNexis have incorrectly shared with my insurance company that I had an accident in XXXX of 2018. I have not had any accidents. I have gone through this with them multiple times when I have changed insurance carriers. They claim they will fix it, but never do. The accident belongs to my son who has the exact same name.