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. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TX)

ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
Consumer complaint received 2022-01-26
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. (NC)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.They have not sent me any methods of verification or validating documents and have ignored the fraudulent activity on my credit report as well as allowed debtors to continue to report on fraudulent accounts.
Consumer complaint received 2024-03-08
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-11
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: GOLDMAN SACHS BANK USA (CA)

I have had a number of hard and soft inquiries into my credit recently that I did not consent to. These requests were for things like loans and credit cards which I did not authorize. 
The mailboxes at my apartment building have been broken into a number of times in the last several months and I have had many personal items stolen such as my renewed drivers license, pre-qualified credit card notifications, among others. 
The only thing I have to identify the requestor is the email address that have been using to send these requests our which is XXXX Here are the three hard inquiries which have been dealt with through each respective organizations ' fraud department : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 Here are all of the soft inquiries made as reported by XXXX : XXXX XX/XX/2022 XXXX via XXXX XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX XXXX GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARDGS BANK XXXX XXXX APPLE CARDGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I was informed by a mortgage lender that a error was shown when trying to pull my credit report from Equifax. This error mentioned the information has been identified as fraudulent. I and the bank attempted to call Equifax to identify the source of this error and get it removed. Equifax through its verification process could not locate my file within their system even with my name, social security, and number. The representative admitted that I was not in their system. The representative could not answer how it was possible that my report was flagged with an error if my file could not be located. Equifax refused to connect me with someone with more knowledge on the details of the error. My lender can not proceed because the error was flagged as fraud could not proceed with my lending process. Equifax defaulted to placing a fraudulent error on my information when it was attempted to be pull by my bank which then proceed in me not being able to receive a loan. My was told that the credit report is an official document that the bank can not ignore when it flags as fraudulent, but Equifax wrongly flagged my information when it was attempted to be pull as thus is not acting in its official duty as credit monitoring and reporting agency.
Consumer complaint received 2022-04-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC) (TX)

National Management Recovery Corp. violated FDCPA by contacting my place of employment under pretenses as a court judicial system attempting to serve a subpoena for criminal activity. On XX/XX/2022, I received a call from my employer indicating National Management Recovery Corp. contacted them with a case number to appear in court about three cases being brought against me. I have never received any phone calls, letters, or emails from National Management Recovery Corp. ever acknowledging themselves as a debt collector and attempting to collect a debt. The first time speaking to anyone within this company was on XX/XX/2022, when I contacted them based on their fraudulent allegations. The representative described themselves as a pre-trial law office and gave my employer the same case number. The representative went on to say, I am being sued in court for a payday loan under the company of XXXX ; a payment is needed right away to rectify my account, as they are currently charged on XXXX counts of fraud. I asked for clarity if they were a law firm and the representative continued to state they were only a pre-trial company. I asked the representative for transparency to provide which judicial entity this case is filed? They responded with the listing of the county in which I reside. I asked for clarity if the case number they provided was a legal case number from a court order or subpoena. The representative stated that the case number was not from any judicial system but their filing metric. Please make individuals aware that these tactics are not only harassing but more so illegal under FDCPA.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Clearing House of America, Inc. (SC)

The original creditor is called XXXX XXXX XXXX XXXX XXXX. The collections agency called Credit Clearing House of America has reported account # XXXX with a balance of {$730.00} to the credit bureaus. My credit file shows that this account will be removed XX/XX/XXXX. This implies that the account was delinquent from the year XX/XX/XXXX. However, this information is inaccurate. The medical service was performed, and subsequently became delinquent, in XX/XX/XXXX, which means that this account should be removed from my credit file at the credit bureaus in XX/XX/XXXX. I contacted Credit Clearing House of America, and I spoke to one of the agents, whose name is XXXX XXXX, and I told her that not only did I not have the medical services done in XX/XX/XXXX, but also I was not living in the Kentucky-Indiana area in XX/XX/XXXX. She actually confirmed that the account/services were from XX/XX/XXXX. She told me to write a letter to her agency, so that the matter can be looked into. She also said for me to ask that the correct date of delinquency be updated on the account. She also said that she would forward that letter to another person in the office who can/will " take care of it, '' as she puts it. However, when I call Credit Clearing House of America,  the employees are unwilling to help me.
Consumer complaint received 2018-07-12
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: Uber Technologies Inc. (MA)

Ive been a loyal employee with XXXX for 2 years and recently they said my cori background check came up with something without telling me what it is and Im unable to work with XXXX  which is my main job since I have XXXX. I think this is very unfair and unjust and will like this issue to be resolved as soon as possible in a just way.
Consumer complaint received 2017-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

This was my second go around of refinancing with Carrington Mortgage. The first time, all communications stopped and I never received a reason as to why the refinance was denied or not. 

During the second try, on XX/XX/XXXX I paid {$720.00} for an appraisal for a refinance. On XX/XX/XXXX, the appraisal was completed. On XX/XX/XXXX, the XXXX XXXX advised the refinance was still in process ; just needed to clear the appraisal and title still. On XX/XX/XXXX, I was advised from XXXX XXXX, loan processor, the following : For the exterior painting work, we will do an escrow hold back at closing. We will take the estimate you give us and hold 150 % at the time of closing from the proceeds of the loan. So if the estimate is XXXX we will hold in escrow XXXX from you at the time of closing. Then in the spring once we receive proof that the exterior work is complete we will cut the XXXX check back to you. The money is not given to the painter. It is given back to you. 

On XX/XX/XXXX, I spoke by phone with XXXX XXXX regarding the exterior paint process and what I was advised by XXXX XXXX. XXXX was not knowledgeable of how the exterior paint would work and XXXX was out of the office to consult. 

On XXXX XXXX, the following email was received by XXXX and XXXX XXXX and XXXX XXXX ( XXXX 's supervisor ) were cc 'd on the email : Hi XXXX XXXX Per our call, I have advised XXXX you want to continue with the refinance. 
Since your loan is no longer active, XXXX will need to create a new application for you. 
Once that is done, we can resume the processing on your loan. 

By XX/XX/XXXX, I received XXXX mail stating my loan application was denied due to disparaged dwelling. By phone, XXXX XXXX stated that we ran out of time because the application can only be held for so long and they had given all the extension they could. 

I am requesting my {$720.00} back for the appraisal fee, it is not my fault that we ran out of time due to the lack of knowledge of the representatives I was dealing with. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MT)

Wells Fargo removed {$3400.00} of fraudulent charges from my account. They sent me a letter on XX/XX/XXXX confirming we completed our research about possible unauthorized charges on your credit card account, and have found that XXXX of the charges was made without your permission. As a result, on XX/XX/XXXX, we credited {$3400.00} to your account, plus all applicable finance charges and fees. 
Today, XX/XX/XXXX after applying for an auto loan I was told that I have remarks on my account indicating Wells Fargo has taken me to collections for this exact amount.
Consumer complaint received 2018-07-12
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. (MI)

I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (NC)

I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.
Consumer complaint received 2022-04-11
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # 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
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}