davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
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 — Problem with personal statement of dispute
Company: Riverwalk Financial Corporation (CA)

I have a collection agency trying to collect on a debt that I was never in contract with them on. I have shown numerous times I never had a contract with this company and the credit agencies removed it for over a year and then all of the sudden have deemed it legit added it back and did not let me know until I found it was showing up again on my credit report XX/XX/19. If notification wasn't sent to me as to their findings 30 days after my dispute was filed over a year or two ago and this was removed for awhile how can they put it back on and not allow me to dispute again. If I don't have a contract signed with XXXX XXXX then they need to remove this from my credit report IMMEDIATELY
Consumer complaint received 2019-02-15
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: CITIBANK, N.A. (GA)

There is a credit inquiry within my report for CNBA. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Consumer complaint received 2022-03-09
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. (GA)

I am communicating with XXXX XXXX XXXX for the delinquent reporting on my consumer report. I have disputes with TRANSUNION, XXXX and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with TRANSUNION AND XXXX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

TRANSUNION ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because TRANSUNION, XXXX and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XXXX XXXX2019.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I tried to dispute on there web site with no success. So I called them on the phone to ask why. They said they could not fix the problem. They took my dispute over the phone incorrectly. It is a medical bill that doesn't belong on my credit report. They will not help. Same problem with XXXX XXXX and was fixed in 3 days,
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (IL)

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

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

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX  ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-15
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. (NV)

As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to me.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX Lease expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXX 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

An insurance policy under XXXX was opened under my name starting XX/XX/XXXX and cancelled XX/XX/XXXX for non payment on a XXXX XXXX XXXX of which I have never owned. Policy # XXXX under address XXXX XXXX XXXXt XXXX XXXX, XXXX TX  XXXX which I have never lived at. The non payment debt owed is {$480.00}, and I was contacted by 'Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX. ( XXXX ) XXXX.
Consumer complaint received 2019-02-15
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)

The CRA is reporting false information about a XXXX XXXX account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

The CRA is reporting false information about a Discover Card account on my report.

I have reached out several times and asked that they remove the incorrect information.

I received a letter from Discover saying that this debt has been canceled and the CRA still says they verified this account.

How can you verify something that even the source says it is not true. Please remove Discover account and Inquiries from my credit report.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY CHAIN AND MONEY. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
Account name
XXXX  XXXX XXXX XXXX
Account number:
XXXX   
Account name
XXXX XXXX  Account number: XXXX,
 
Account name: XXXX  Account number:
XXXX  





FRAUDULENT INQUIRIES:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX



FRAUDULENT ADDRESSES:
1XXXX 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
Consumer complaint received 2019-02-15
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: U.S. Auto Sales Inc. (GA)

US Auto Sales Inc. has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BARCLAYS BANK DELAWARE (OR)

In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not  received.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nevada Credico, Inc. (NV)

They have {$1000.00} hold on our bank account XX/XX/XXXX and I can't afford that amount going out, I am married but separated and the only reason I am on this bank account is to make the mortgage and car payment for my husband because he is an XXXX XXXX XXXX XXXX XXXXXXXX  and he is only home one day a week. I have no income coming in myself, I have been fighting to get XXXX for 4 years now with no luck, I can Not work and my husband is only staying married to me so I can have medical insurance. I am XXXX years old and I clean his house and do his laundry and cook for him when he is home for room and board. But again I have no income in my name. I was making payments to the Dr. himself and he said I wasn't paying enough money so he turned me into collections, I didn't realize I had signed a contract with him because the day I signed the paper I was under duress from having to put my XXXX year old dog down that same day, I thought I was just signing the sign in  sheet. Also he tried to bill my insurance company twice for the same XXXX, once under the clinics name then again under his Dr. name. XXXX was XX/XX/1018.
Consumer complaint received 2019-02-15
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: EQUIFAX, INC. (GA)

XXXX XXXX has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently requested my free annual credit report and became aware that I have multiple inquiries from unknown sources that I did not authorize. I would like these companies the remove these inquiries from my credit report. I will attach the inquiry page that includes a list of these companies.
Consumer complaint received 2019-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with Capital One. Capital One is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a XXXX. These inquiries for credit were not made by me. Also, Capital One is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The CRA is reporting false information about a XXXX Card account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XXXX XXXX, XX/XX/2023, I fell victim to a multi-layered scam operation orchestrated by XXXX ( XXXX XXXX  ), which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (VA)

I opened a business account with Navy Federal Credit Union under my previous name XXXX XXXX XXXX for XXXX XXXX XXXX and the business is no more. I have dissolved it and tried to close the account with Navy Federal Credit Union, however, I have been met with so many obstacles and given the run around. All of this is aggravating my XXXX symptoms of being a totally XXXX XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel as if I have been discriminated against, not treated fair or with dignity.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have repeatedly disputed an account with XXXX XXXX  due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

XXXX XXXX  has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All XXXX XXXX  has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XX/XX/XXXX XXXX XXXX received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. XXXX has failed to respond to this formal legal demand. XXXX is still reporting this debt to Equifax knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XX/XX/XXXX. I  asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes. '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and XXXX XXXX need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If XXXX wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

XXXX 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

XXXX XXXX has yet to produce a invoice from the original creditor for {$670.00}. They have only been able to produce invoices from the original creditor with contradictory balances. Until XXXX XXXX is sble to submit in writing a invoice from the original creditor for {$670.00} I asked that this item be removed from my credit file. XXXX XXXX has broken several FCRA violations and one of those violations is they can not show a balance that is not owed. A balance of {$670.00} was never owed to the original lendor XXXX XXXX XXXX.