davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called XXXX weeks later to follow up Transunion said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for XXXX said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes XXXX days. I have now read all that I can regarding identify theft and I now realize that the XXXX XXXX bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all XXXX Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Consumer complaint received 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In the past week, XXXX, Transunion, and XXXX, have dropped my credit score by more than 70 points. The " changes '' were an account that had bee fraudulently obtained was deleted from my credit report and I took advantage of the COVID relief program and modified my mortgage which resulted in a lower payment and while the costs of the modification were financed in, the loan is 80 % of the current value of the house. So I am unclear how being in a better position with a lower payment can negatively affect a credit score. 

I also fail to understand how the removal of an account that was the result of fraud can lower one 's credit score.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XXXX/XXXX  and the Collection agency they use XXXX XXXX XXXX continuously ignored my forms and reports of the debt not being my debt and it was result of identity theft. They've added false debt to my credit report. XXXX claimed it would take 30 days to investifate and sent a letter in threee days saying it was my debt even after the proper forms were submitted such as my FTC report.
Consumer complaint received 2022-02-18
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-12-13
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. (AL)

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK (AZ)

I applied for a Discover It secured card on XX/XX/2019 i was approved and chose to have a deposit in the amount of {$200.00} I recieved an email confirmation on XXXX/XXXX/2019 confirming the account. My bank account had fraud on it and i had to close out the account and open a new account. I immediatley reached out to discover to let them know that there was fraud on the account and was advised by rep that the transaction should go through and that i shouldnt have to change the account number. I just recieved a notification that the account was closed out and is now negatively affecting my account. I called out and rep told me that i would need to reapply and that the funds were not taken from the checking account. Called back and reached out to a manager said  pretty much the same thing but they would try and pull the call. I dont think that it is fair to treat a customer that was trying to let discover as a company that the account was compromised and tried giving account number to CLOSE the account out and negatively effect me. I told the manager on the phone that i have the new account number and routing number and was told that he would have to see what he could do. HORRIBLE first impression of a well known credit card company. I did what i needed to do to let the company know and they still dont have an answer for me and not wanting to help me. Next stop XXXX XXXX XXXX  to file a complaint as well. Totally sad that i have to do this but i dont think that its right at all. This is all over a measly {$200.00} secured credit card that i wanted. Im willing to give the new account number and everything ... just sad!
Consumer complaint received 2018-05-04
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: The Outsource Group, Inc (NY)

A charge of {$51000.00} appeared on my credit reports after a dispute with XXXX ( on behalf of XXXX XXXX XXXX. This account does not belong to me. 

I was shocked to see this report, after XXXX XXXX XXXX agreed during our numerous phone conversations that this is a case of mistaken identity. I have never utilized any form of air transportation. They confirmed that my social security number, date of birth and address did not match the client you were searching for. I assume all of the personal information i gave was used to trash my credit. 

Also please note that the date of service on attached bill below XX/XX/2016 was before I even resided at this address. In order to steal my identity, someone would have known where I was moving before I did. This is NOT identity fraud. It is fraudulent use of my information by XXXX. 

In attached, please note that my last name does not match their clients. 

They acknowledged that I was not their client. But then shortly thereafter, my credit score dropped from high 800s to XXXX. 

Since these mistaken charges have been placed on my credit report, I have suffered tremendous financial loss. 

I have sent certified mail dispute letters to each credit bureau, XXXX and XXXX XXXX XXXX. XXXX responded with mail assuring me that this is actually me. 

This is not my account and I would like this false information removed from my credit reports. 

Thank you.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$630.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX -- -- XXXX XXXX {$6400.00}
Consumer complaint received 2019-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX, Toyota Financial Services ( TFS ) made an offer ( on a recorded line ) to give my family two months credit ( {$660.00} ) due to the Federal Government " Shutdown '' of XX/XX/XXXX and XX/XX/XXXX. To wit, my family and I accepted and have awaited the credit ever since. Today, at XXXX PST, Mr. XXXX ( I.D. # XXXX ) of TFS exclaimed that they will not honor this credit as they did not receive a signed note ( which my family and I did not receive in the mail no were we aware that we were to recieve, sign, and return such a Note ) to honor this agreement. Also, I, XXXX XXXX, have been taken off the account as an Authorized Agent on the account, leaving my wife, who speaks English as a second language to somehow negotiate with TFS in these matters. As a XXXX XXXX ( XXXX XXXX  ; CA # XXXX ), I consider this a " Switch-and-Bait '' tactic by TFS in order to lure my family into a false sense of economic security and not honor the " Government Shutdown '' credit arrangement which they recorded themselves to, '' honor. '' NOTE : TFS probably solicited several consumers with this offer and then withdrew it once their ( TFS 's ) internal quota had been reached. Again, this is likely a, '' Switch-and-Bait '' on a grand, corporate scale.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Date : XX/XX/2018 Dates : XXXX Amounts : {$19.00} Actions : I was creating an account of Transunion , and after I put my credit card information for the account so they can check my credit scores, but they automatically charged me without asking or confirm the order. If I know I have to pay for that service, I will not do it at all. Plus, I have a hard time try to cancel my account, and it's just not easy to do it. I called them, and I asked for refund, and I got a conformation number, but that's about it. I might get my money back, but that wasn't a good experience at all. I was trying to delete my personal information as well, and I couldn't do that. I have to call them for other time to delete my personal information.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TX)

On XX/XX/XXXX this company ( XXXX ) called my mothers phone and left her a message stating i was being sued and I needed to call some one name XXXX XXXX or I could be arrested. my mother called me so upset thinking I would go to jail. I called them and spoke with some one name XXXX XXXX he never identified himself as a debit collector.I told him not to call us any more and what was this about he said and account that was closed in XXXX and charged off in XXXX I told him I filed bankruptcy in XXXX so I don't have any thing from XXXX outstanding and this debit has never been on my credit, so your not telling the truth and you said you where a law firm so you would no you can't collect on any thing filled in a bankruptcy he then said I never said that i was an attorney or we where a law firm then said he can offer me a settlement of XXXX dollars I told him that I was going to report him and he hung up on me. This company called me again on XX/XX/XXXX and left a message stating they where a law firm and and to call the at XXXX. I called and told them to stop calling me again and ask for there address XXXX said the address is XXXX XXXX XXXX XXXX XXXX   XXXX and XXXX stands for XXXX XXXX XXXX. I could not find this company it say the address is a virtual mailing address. I have reported this to company to AG and all three burials and police. I feel like I am being harasses and and embarrassed and a victim of Identity theft because XXXX had my last for of my SSN.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (NC)

On numerous occasions I have disputed incorrect addresses reporting on my Equifax credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
Consumer complaint received 2018-12-13
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. (AL)

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2020-12-15
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: AXOS FINANCIAL, INC. (VA)

I was looking for a refinance for my primary home and started the application process with Axosbank on XX/XX/2020. I started filling up the online application and went IN and OUT couple of times and still not decided or finalized that either I will go with them or not, so my application was never submitted or finalized. On XX/XX/2020, at XXXX I received an email from axosbank stating " You're almost there. You started your mortgage refinance application, and it will only take a few minutes to wrap it up. Please take a moment to finish, and well move you forward in the process. '' Which also confirmed me that I have not submitted and finalized my application, but later that day in the afternoon I received an alert from my credit monitoring that a lender pulled a report. I looked and found out that Axosbank did it, I emailed and later spoke with my loan officer at the bank who said he is not aware of what happened and he will find out from his manager and get back to me. 
Later that evening my loan officer named " XXXX XXXX '' called me and confirmed me that the I logged in to their system on XX/XX/2020 and never logged in after that and he also told me that since I have started the application which in other word agreeing their terms and condition to pull my credit, they are entitled to do and this is what his manager did. His manager pulled my credit on XX/XX/2020 even though my application was still in draft and never actually submitted. 
my concern is I started the application doesn't give them my consent to pull my credit report until I finish the application i.e. hit the " Submit Application ''. 
Loan officer " XXXX XXXX '' stated that according to his manager this is incorrect. if client started application, regardless of he finished or not, they are entitled to pull credit. 
This is wrong practice and illegal. by visiting their website and click on apply now button and just putting my social and other information doesn't give them the permission to pull my credit. They pulled my credit report without my consent and without my permission. 

There is no where on their application process its stated that regardless of you submit the application or not they will pull the credit. This is illegal and misleading consumers.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (FL)

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX with my kids with covid 19 I am so afraid
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I viewed my credit report back in XX/XX/XXXX and noticed an account on my XXXX and Experian credit reports that I did not consent to, authorize nor benefit from the account, The account is with XXXX XXXX XXXX. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. Therefore they are reporting invalidated and inaccurate information on my credit report.
Consumer complaint received 2018-05-03
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: Navient Solutions, LLC. (CA)

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and XXXX ) caused by Navient/ Navient Solutions ( formerly known as Sallie Mae ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that Navient/Navient Solutions ( formerly Sallie Mae ) is  currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of Navient 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and XXXX  ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that Navient ( formerly known as Sallie Mae ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.