davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (AR)

Time has already passed but up until now, I havent heard any kind of response from the XXXX and Transunion Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to coorect the account which was erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Consumer complaint received 2019-06-20
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. (PA)

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Consumer complaint received 2019-06-20
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. (PA)

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (LA)

I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2019-06-20
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. (PA)

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with XXXX  XXXX, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Consumer complaint received 2019-06-20
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. (CA)

I reached out to experian to explain to them that all the accounts - hard inquires and collections were not mine. I kindly showed them that it had my brothers name on my credit report and also showed them a comparison between experian credit report and my XXXX and XXXX so they better understand. I did not get a response from them and I jut don't understand and I clearly show them None of the accounts or hard inquires are mine on Experian. They are my brothers. 

There are also 3 accounts in collections that are not mine either. I know this by how it shows on on my other two credit reports- XXXX and XXXX . 

I'm not sure how this happened. This is highly effecting me and my families ablity to live a quality life for something that has been out of our control and we are doing our best to settle the matter. Please help. XXXX is the correct information.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I never lived at following address XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (VA)

In violation of the Fair Debt Collection Practices Act FDCPA and/or Fair Credit Reporting Act FCRA and/or my state law as applicable, this business or as it seemed a collection company named Diversified Adjustment DA placed a malicious collection ( of undisclosed incorrect and/or negative information ) Within XXXX against my exceptional credit history ( I never failed to pay on time any business and my credit report show Zero missed payment a fact PROVEN BY XXXX ITSELF and As assessed by A different source as you can see in the attachments ) and without sending a single written notification disclosing complete information of the malicious information it used to causing me imminent and irreparable damages and losses. The unprecedented shocking is that DA is terrorizing and/or threatening me by phone repeatedly after It placED THE malicious information damaging my credit reputation and more other in violation of FDCPA and/or FCRA and/or privacy act and/or freedom of information Act and/or other applicable laws and/or acts. This company named Diversified Adjustment must contend of all the above is true and thus it must delete that now illegal, incorrect and/or threatening and/or wrong collection of incorrect retaliatory allegation that this company intentionally used to cause me harm recklessly without informing me in writing, without allowing me to dispute and any situation now Diversified Adjustment to assume full severe legal consequences for its illegal acts that it made against me in violation of all the above referenced laws and/or Acts. I also attached a document an important document that DA must contend to its facts that I supported with clear evidences are true and thus DA violated the law if DA did not prove with clear evidences that my every single fact of my facts are all untrue. To prove me wrong you must provide undeniable clear convincing evidence supporting to prove the opposite of every and each of my proven facts. ALL STATED herein is to my current states belief knurled and understanding and it is all subject to anything or any correction by my person only at anytime without prior notice and without waiving my rights.
Consumer complaint received 2019-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

SSA REPORTED VIA THEIR LETTER FINALLY XX/XX/XXXX after requesting since XX/XX/XXXX THE FOLLOWING FRAUDULRNTLY MADE CHANGES YO MY SSA XXXX CHECKS XX/XX/XXXX Routing # XXXX Account XXXX XX/XX/XXXX Routing # XXXX XXXX XX/XX/XXXX Routing #. 
XXXX I was told after having a balance of XXXX XXXX dollars by the branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX Virginia XXXX LOCATION I always have my checks to XXXX the teller and I had reported identity theft and fraud in XX/XX/XXXX XX/XX/XXXX. She stated after her investigation. That I had no money in any bank account with wells Fargo. 
WHY ARE THERE 2 DIFFERENT ROUTING NUMBERS.. I opened only a XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX Virginia in XX/XX/XXXX.. 30 plus years ago under XXXX XXXX XXXX my name now XXXX XXXX XXXX XXXX . 

History. No info given to me by wells Fargo for my personal data Min XXXX recorded loan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Virginia XX/XX/XXXX hard inquiry on my credit reports. wells Fargo dealership aka wells Fargo denied twice but there was a second account made up in my name that should not have been.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After opening a Kohls charge card I made my first purchase in store. 
Around 30 days later I still had not received a bill or the card. I went in to the local retailer and let them know I hadnt received any information and ended up making a payment in store which I was told would pay my balance in full. 
2 months later I received a letter saying I missed a payment. 
After immediately contacting them they stated it was their error and reversed late fees because they did not input my address correctly. 

I was under the impression that the account had XXXX $ balance
Consumer complaint received 2020-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (FL)

This ties in with my complaint against XXXX  XXXX XXXX. The first time, someone tried to take out a payday loan from Golden Valley Lending in my name and have the money go into a XXXX   XXXX XXXX Account that does not belong to me. I called Golden Valley Lending and let them know that the account is NOT mine. They stoppped it that time and I let them know to deny any other loan going to that account that is not mine. They said they'd make a note of it. 

This afternoon, I received an email that it was done again and still going to the same XXXX  XXXX XXXX account. I tried calling but they're closed on Saturdays. The loan was approved and the scammer will now get the money transferred into their XXXX account. 

I didn't initiate this loan. The XXXX  XXXX XXXX XXXX is trying to steal from me again and Golden Valley Lending isn't doing anything to stop them.
Consumer complaint received 2019-06-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (CA)

Last week I checked my credit score and a account that was opened on XX/XX/2012 Of the amount of {$7200.00}. I was XXXX years old at that time. There is no way a XXXX year old is renting a apartment In XXXX XXXX. I am currently XXXX over seas, And I had no knowledge of this until it popped up. And my dad is in prison, so I had my sister get into contact with him and he claims he does not know my social security number. But he tried to blame his ex girlfriend which speaks no English. It Is hard to believe him when he used my sisters social to open a bank account. It also went to collections. so I had my wife call the company and they said my social security number matched but the birthday did not. My father and I have the same name which I have a feeling it was a mistake from the Apartment staff or he straight up used my Social. My wife gave me a email address to let them know what is going on, so I emailed them everything I knew and also summited a dispute on XXXX XXXX. I am still waiting to hear back from the Collection company.
Consumer complaint received 2015-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (SC)

All of my student loans are from the company Aidvantage. Theyve been emailing me regarding student loan payments. However, Im still enrolled in school full-time meaning I shouldnt be making payments. Ive contacted the company and signed the proper documentation. However ; they have not updated it in their system. Customer service has been rude and not responsive. They wont update their system.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second 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 alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-31
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. (GA)

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 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 XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to check my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (VA)

I moved out of an Apt . complex back in XX/XX/XXXX. I left a forwarding address with the company to contact me if needed. I just received a Notice of Debt in XX/XX/XXXX regarding monies supposedly owed, without a detailed explanation of why they money is/was owed. This has now affected my credit score. I was not given the option of making payment arrangements.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was left a phone message indicating I have to call Bank of America back urgently! The phone number was XXXX to speak to XXXX. She didnt even know why she had left a message. She kept harassing me about my personal information. She was mad That I didnt want to give my personal information and social security number. Finally she indicated something about a car loan. I dont even have a car. Bank of America should stop scamming people. This fraud, Harassing people of car loans when they take public transit.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax is listing an item on my credit report that is approx. {$8000.00} that has been previously disputed as identity theft. I have sent several police reports to Equifax to prove that I am a victim of a wide range of identity theft but they refuse to remove the item by my verbal request and by reviewing the police reports I have sent in.
Consumer complaint received 2023-07-31
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. (IN)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX