davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MD)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received a letter dated XXXX, XXXX, XXXX denying credit from XXXX XXXX XXXX Within the letter is listed the below contact information. It directs me to follow up with the consumer agency for any questions. The letter contains these XXXX sequences of alpha/numeric ID ; s in the top right under the date. The first is : XXXX the second is : XXXX. 
On XX/XX/XXXX at XXXX MST I called the XXXX number found below to obtain my report and inquire why my score was so low, as well as about the rejection of credit. ***IT SHOULD BE NOTED, when you dial this nunber, if you do not comply with all of the prompts that collect ALL OF MY PRIVATE, PERSONAL, PROTETCED information, including MY FULL XXXX DIGIT SSN, you will not even be able to ring anyone. The system will automatically hang up on you. So, after answering all of the invasive questions and harassment prompts trying to sell me my own credit score, THAT IS ALREADY INCLUDED IN THE LETTER!! only then, will it ring to put you on hold. Then it will ask you to verify MORE INFORMATION. All of this before you even get in line to talk to a person. I'm going to sum up the next part which is really the most crucial, but I've wasted enough of my life on this today. AND THIS XXXX IS SERIOUS SO DON'T BLOW IT OFF. I called a total of XXXX times. Same guy answers. Yes, I'm 100 % positive. Also, PULL THE CALLS. Someone needs to hear this with their own ears. Calls are outgoing from my phone on XX/XX/XXXX MST @ XXXX, XXXX, XXXX, and XXXX. The last call was XXXX XXXX. AND I NEVER GOT MY CREDIT REPORT! The guy didn't even acknowledge he could verify or knew who I was. You can CLEARLY hear me throughout the calls explaining to him that is illegal and FRAUDULENT to write my name and number on a piece of paper and so was asking me for any personal information that's NOT even included or related to my file and tell me he can not help me, transfer, or do anything at all if I do not ALSO provide more info even though my ADDRESS, ZIP, CITY, STATE, FIRST NAME, LAST NAME, FULL SSN, DOB, were voice verified through the prompts and RECORDED!!!! Telling me he can not even see my account and he would do nothing without MORE info. He sat on the phone for XXXX calls silently until hanging up after I pointed out he would be caught because his call metrics will show he was on a call for an oddly long time and NEVER DID anything, and I would report that. I also told him I am filing legal charges if I can for misusung my personal info, harassing me, threatening me with his gatekeeper position of my credit and writing my name and phone down on a paper. This person needs to BE FIRED!!! and CHARGED!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (MI)

Experian Business Credit on XX/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 XXXX XXXX
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CO)

We have attempted to access our loan documents multiple times. They havent been available to download, our online portal says there are no documents available each time we try. 
We logged in and our balance unexpectedly jumped from XXXX to XXXX over night. 
We called and they blamed the jump on a potential technical difficulty. 
And blamed our inability to access loan documents on a technical difficulty as well. 

When voicing how concerning it was that a technical difficulty is changing our loan balance over night like that they said we are being charged aprox. 10-11 dollars in interest A DAY. 
Something we didnt even fathom was possible! 

But those pesky technical difficulties are what they're hiding behind.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against TransUnion with the CFPB regarding their failure to adequately respond to my dispute regarding inaccuracies on my credit report. On XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. I took care to include supporting documents, such as my photo ID, social security card, and recent bill, to verify my identity and address. 

However, the response I received from TransUnion dated XXXX stated that they could not process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation, as required by the FCRA, into the completeness and accuracy of the disputed information.
Consumer complaint received 2022-06-15
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. (MI)

Intent to file lawsuit, no response for Validation documentation. 



XXXX - XXXX XXXX XXXX XXXX  XXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 


Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have my rights 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.
Consumer complaint received 2018-12-12
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S  on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MN)

PayPal credit 's online portal would not let me make a payment. When you go to make a payment, it generates a list of banks. I have 3 checking accounts with different banks I could have used. However, none of them are options to make a payment to them on their website. This includes XXXX, the largest bank in the world. They seem to purposely preventing the ability to make a payment on debt owed because I bank with XXXX, which again, is the largest bank in the entire world and as such it could be suggested that it has a correlating popularity. 

In attempting a resolution, I'm left in a 23 minute IVR trying to get to their customer service who can not fix the situation. Hours were spent jsut trying to make a payment to them as they keep harassing me for via voicemails. 

It's 2022. I'm tired. I '' m busy. And you made me spend several hours being harassed by your voicemails, unable to make a payment with your portal, and having to try to get a hold of your customer service. So XXXX.
Consumer complaint received 2023-04-10
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. (WA)

XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-12
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. (WI)

Per tranunion website states im 30 days or more pass due of {$330.00} owed to XXXX XXXX ( car loan company ) I called XXXX XXXX today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing XXXX ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!
Consumer complaint received 2018-04-26
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)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-04-26
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. (NJ)

I am a victim of Indentity theft. Someone compromised my information and files taxes in my name back in 2010 and every since then I have been having issues. Majority of them have been cleared but Equifax ( mainly ) and XXXX refuse to remove incorrect information from my credit report. The information does not belong to me. I did not search for credit, authorize my credit to be ran, not provided and signatures or validation for this information to be on my reports. Specially a collection account XXXX. I must have had this account disputed a million times with Equifax. And each time they refused to remove it. They said all of my information matches. Well of course it would since someone stole my information! Recently I have had almost 20 or more inquiries within the last 60 days that I did not do. XXXX  investigated and removed them but EQUIFAX AND XXXX refuse to do so. I need this information removed immediately! I've sent letters to XXXX, XXXX & XXXX and they refuse bc they state that its policy. Please someone help. There should be an identity theft affidavit on file for me. I filed it with the IRS and the FTC back in 2010. Help! 

XXXX XXXX 's XXXX XXXX