davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

After I won an unlawful detainer case against my previous landlord. Opposing counsel was informed of my sons XXXX XXXX and agreed he could not be held to any responsibility in this case. 8 heard nothing at all from my previous landlord or their lawyer. My phone number is as available to them and I had my mail forwarded but recieved nothing from them. On about XX/XX/XXXX. I had gone to my mailbox to get my mail and found an invoice from IQ Data international, a collection agency. One invoice had my name and I found another with my sons name on it. Both invoices were in the amount of {$12.00} XXXX. I dont feel as though I owe this information listed amount I called the collection agency to ask for the documents supporting the amount billed and to let them know that I was upset that I had no prior notice of this inflated bill and that I will dispute it. What action can I take to get this removed from me and my sons credit. The entire situation is nothing that I caused not even the eviction. How is it legal for this to happen??? Please help me.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Had a card with XXXX XXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I'm concerned about your failure to comply with the Fair Credit Reporting Act. While other bureaus have removed fraudulent accounts upon my request, Equifax has not. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This impacts my credit and raises compliance questions. 
Please remove XXXX XXXX XXXX XXXX from my file immediately. XXXX and XXXX have already done so due to errors.
Consumer complaint received 2022-07-11
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: Bread Financial Holdings, Inc. (TX)

Had a card with Commenity BankXXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.
Consumer complaint received 2018-11-14
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (GA)

XXXXx has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (CA)

This is the third time that thes people have processed my payments incorrectly I have advised XXXX XXXX -XXXX on several accasions to please have his people process the payments as I have set them up as ... ..They have caused me {$100.00} in overdraft fees by processing my payment early as per my conformation number XXXX with one of their customer service people. 

Please help me Thanks XXXX XXXX
Consumer complaint received 2023-03-23
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2018-11-14
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. (WA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-11-14
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 — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp. (GA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (AZ)

I transferred XXXX dollars to open a synchrony bank CD. It was an error. I wanted the money back in my account. I called several times and had a lot of new passwords I had to provide because they never work the same day or the next hour. The last time I had to obtain a code from synchrony via XXXX. I verified who I was via XXXX code That was last week, XX/XX/XXXX. I thought the bank had 3 days to return my money. Today, the XXXX day, I called. Held on for 24 minutes and was told the account was closed TODAY. So no money back into my bank account for ANOTHER 3-4 days. This is illegal. Synchrony bank does whatever it feels like. If they charge me fees for closing this CD early, it better not be for 7 days or anything other than 1 day. If they do, I will submit another complaint.
Consumer complaint received 2018-11-14
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. (VA)

What in the world that student loans were reported on my credit report? The student loan is a government funded loan. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to  purchase a home 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 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC. You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines of up to {$1000.00}. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Consumer complaint received 2022-07-26
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. (MO)

This is my 7th 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

In my review of my credit report, XXXX/CAPIOPART is reporting a collection debt to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without first notifying the consumer.
Consumer complaint received 2022-07-12
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. (MO)

I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (MO)

I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-12-12
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: JPMORGAN CHASE & CO. (NY)

I lost my one chase credit card and one XXXX  XXXX credit card on XX/XX/2018 at XXXX XXXX. Someone used my this cards at XXXX XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX. And same card used in XXXX   XXXX  also. I informed to my credit card company immediately About this transaction and request to cancel these transactions.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

Chase bank receives pre authorization for purchases online the charge is debited out of account then 2 days later reverse the charge from the merchant. The representative said the reason is the said the merchant has 3 days the collect or present charges however if make purchase online they do not charge the consumer until the product has actually shipped to the consumer this has cost me over {$200.00} fees and NSF fees from merchants I did a lot of online shopping for the XXXX season
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has  failed to respond or provide any means of documentation or validation.. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the  fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2017-11-12
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: First Data Corporation (IN)

XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.
Consumer complaint received 2022-07-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2600.00}
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint against Transunion The past 3 months I have tried to get trans union to fix their error. They continue to report my balance on an acct I have called XXXX. I sent them a balance letter from XXXX several times they still report my bal as XXXX but its actually XXXX. 

Then I have a XXXX XXXX card ending XXXX, limit on card is high but my balance is always paid off if I use it prior to reporting. Card is through XXXX XXXX trans union removed my card off the report just deleted it without my permission or request. In the middle of my refi on my mortgage causing my credit score to plunge down XXXX  points I had XXXXXXXX XXXX contact them and XXXX said trans union refuse to put my card back on because they state I disputed something on the report. 
I have never disputed anything on my XXXXXXXX XXXX XXXX  card with XXXX limit. Had no reason to its the only card that was reporting correctly. 

I reported to trans union lots of inquiries not mines they did nothing, I contacted the creditors who made the inquiries and they removed them and immediately trans union has reps I talk hang up on me and now my XXXX  card has been removed which Id terrible practice. XXXX reporting incorrectly XXXX card balance the report incorrectly Ive sent balance letters several times XXXX bal is XXXX they report XXXX And its ongoing every month nothing changes. 

Consistently getting hacked on there site just a lot of stuff with trans union and XXXX
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (NJ)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX