davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (MS)

Im a victim of identity theft, Someone has gotten my information and has applied credit from multiple lenders. I have not authorized anyone to pull my credit. I have contacted the FTC and have a fraud alert placed upon all three of my credit reports. 

XXXX  XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-01
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX LVNV FUNDING LLC Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-17
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. (IL)

I have noticed Inquires on my report that were not authorized. I was told by a rep they would be removed and were disputed instead of removal. They came back as factual. I was told to call the credit companies which I did and was directed back to Equifax. I was also told since it was fraud to make a police report. Which I also did. They still will not remove this. 
XXXX XXXX  XX/XX/18, XX/XX/18 XXXX- XX/XX/18 XXXX XXXX XX/XX/18 & XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18
Consumer complaint received 2018-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Approximately one month ago, our Citibank Citigold Representative called my wife, XXXX XXXX, and asked her for some information regarding her employment, our net worth, etc. Citibank told her that this related to the KYC ( Know Your Customer ) mandate. My wife provided all the information requested. 

Last Thursday ( XX/XX/XXXX ), our checking and savings accounts were frozen. We spoke with XXXX XXXX, our Citigold representative, who investigated and learned that, although he had submitted our information to the KYC group, that group " had a large backlog, '' and therefore our information was not entered into Citibank 's system. As a result, action was taken to close our accounts. Our representative requested that the account closure process be stopped, but was unable to do so. He told us that Citibank 's internal policies did not allow him to reach anyone with the authorization to reverse the account closure action once it had commenced, even though the KYC group acknowledged that the process had been commenced in error. 

It is now Wednesday ( XX/XX/XXXX ) and we have received no helpful updates. We have been told by Citibank that our account has been unblocked, but the money has been taken from the account. Our Citibank rep is unable to learn whether ( or when ) our money will be returned to our checking and savings account. He tells us that it is possible that a cashiers check has been produced, in which case our money will be mailed to us. He says it's also possible that no cashiers check has yet been produced, in which case it may be possible to reverse the ledger transaction and return our money to our account. He told us that it is not possible for a Citibank branch representative to directly speak to the group which is responsible for handling this, so it's impossible to tell us where our money is. He says that he must wait for someone within that group to send him an email, which may come tomorrow, or next week, or at any time. 

Meanwhile, we have many our bills tied directly to the account, and are bouncing payments all over the place. This will undoubtedly damage our credit, and hurt our relationships with various utilities and other companies, including some small businesses. 

This, obviously, is frustrating to us, particularly since we still have no certainty around how & when it will be resolved.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

Target is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking Target to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if Target can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Consumer complaint received 2023-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

Under Biden the nation has a pause on student loan payments. Other then this major fact, I have a IDR plan to pay XXXX dollars back monthly. Advantage reported late payments on my credit report and I got negatively hit. This is the second time this has happened. The first time was with XXXX and then they turned into Aidvantage. So second time under both names. This is frustrating. No one in the department should be filing anyting on any person reports. While I was on the phone with this company tli specifically asked them if the CFPB is over then and they said " no ''.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Can you please help me to resolve this matter. Just found out on my consumer file that XXXX has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with TransUnion or XXXX the company TransUnion used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and TransUnion numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Consumer complaint received 2017-07-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX  ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.
Consumer complaint received 2019-05-05
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 call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2019-09-28
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. (TN)

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Consumer complaint received 2023-03-29
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. (MI)

I did not provide the credit reporting agencies with written permission to report any of these accounts. 

( SEE ATTACHED DOCUMENT ) That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

This leads way to identity theft.
Consumer complaint received 2022-10-05
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX  ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.