davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Transunion credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.
Consumer complaint received 2018-05-15
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. (AR)

XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
Consumer complaint received 2023-01-13
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. (CA)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also
Consumer complaint received 2017-07-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX
Consumer complaint received 2018-05-14
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. (CA)

On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BHA Services (MI)

I returned a voicemail and spoke with a representative who wouldn't give straight answers to clarify their remarks and comments. 

Repeatedly throughout the call the representative made comments about the debit they were collecting on as " statute of limitations expiring today, '' " file leaving the floor, '' but also " pay the debt today. '' Which further confused me, how is a debt due for collection if statute of limitations are expiring? I'd also disclosed that I'd previously had to dispute a debt with a company several years ago because there were not one but two store credit accounts open in my name, one was valid and I maintained it until paid, but the other was not?

Instead, the collector continued to repeat the same few phrases about the file leaving collections ( which is strange because then why are you calling ), statue of limitations ending and this being out of his hands, but when I asked for the collector to send information they then took offense and claimed they were confused. 

I do think the representative was trying to deceive me by speaking quickly and using legal jargon to intimidate me into agreeing to pay a debt that I've disputed. It's unfair that these people call and use these tactics without furnishing hard copy details. What I received was a demand letter for payment to them, a company I've never worked with, not information regarding a legal agreement or contract or statements of the account in question. It just doesn't make sense. 

In a world where credit is better than cash, personal data is assessed currency value, and data breaches means consumers are left easily accessible for fraud, this entire contact is untrustworthy. In this world, I could easily send a thousand people letters implying I was representing a company they owed and demanded payment or they would face legal action, someone would eventually send me payment out of fear with no question of validation. 

That's not right and it's not fair, I'm tired of individuals being taken advantage of.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (WI)

On XX/XX/2019, I sent the debt validation letter to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019. Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to LJ Ross Associate, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.
Consumer complaint received 2023-01-13
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$150.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX XXXX Balance Owed : {$80.00}, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$90.00} According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-01-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I was issued XXXX credit card when I leased a new XXXX 12 years ago. I never applied for this card, EVER, but did accept it once I received it. I had always paid it off monthly and never missed a payment. Due to my husband losing his job of over 10 years by layoff completely unexpectedly in XX/XX/2018, my being XXXX, followed by loss of much income over past 2 years due to pandemic, I incurred much debt by credit as I had to use them for groceries, to pay my mortgage, and other necessities. After 1 year of not paying, I have now been receiving multiple daily calls from the debt collector assigned by XXXX XXXX. They have called and texted ALL of my family members - my mother, my sister, my daughter in college, my ex-husband, and even my ex-mother in law. I asked 3 times to NOT call any family members. Mr. XXXX XXXX advised he would stop and made note of this 3 times as did his manager " XXXX. '' My mother was called and harassed again yesterday with Mr. XXXX telling her I said she would be settling my debt, leaving her in absolute tears. Again, I have spoken with this collector a few times and asked what my options are to settle down amount owed. While waiting for their answer, I tried to find a way to come up with this money. I am filing this complaint as no other debt collector has gone so far as to call, text, and leave voice mails on NUMEROUS occasions with family in order to embarrass me and smear my name. This collector also leaves me multiple messages a week threatening to sue me. Last communication was on XXXX XXXX XXXX. I have attached the ONLY written notification I have EVER received from them. It was by email. Never have I received one piece of mail from collector. I also attached email signature with settlement offer, which doesn't even match name of person/people I have spoken with.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The Condo I own has their own insurance and Shellpoint was sent those documents ... ..they claim they didn't receive it so charged me for escrow which I refused to pay. Once the mess was corrected they gave me credit for the escrow charge except they charged me {$940.00} for late charges even though I NEVER missed a payment and was NEVER late. I want to pay off the mortgage ( the correct amount ) and have my credit score restored. Neither has been answered by Shellpoint. How long must this go on before I have to file a lawsuit? And the compliance manager, XXXX XXXX, did not help the situation
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I called Experian to add a permanent credit freeze on XXXX, 2017 at  XXXX. 
Experian instructed me to pay {$10.00} to remove a temporary credit freeze, and then pay another {$10.00} to add a permanent freeze. I should have only been charged for adding a permanent credit freeze. The online selection for a credit freeze should be a one payment selection.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.
Consumer complaint received 2017-07-21
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. (NY)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I 've reached to Experian in regards to name correction. I spoke with a rude rep on Friday XX/XX/XXXX2017 at XXXX she was very rude and refused to dispute the incorrect information on my report as I advised it needs to be updated for a job. She refused to do so. I asked to speak with a supervisor she placed me on an intensive hold. The information reported on my personal information is incorrect, I 've never went by the name of XXXX XXXX, XXXX XXXX nor XXXX XXXX. All of that information is incorrect and needs to be removed.
Consumer complaint received 2023-01-13
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I was notified that a decision was made about an application for a XXXX XXXX with American Express. I attempted to contact them to explain that I never requested this, but the hold time was too long. 

On XX/XX/XXXX, I received an email stating, " As requested, we've added XXXX to the Additional Card account for XXXX XXXX ( Card ending in XXXX ). '' I later received an email stating, " Your Additional Card Member request has been approved. '' I contacted American Express on XX/XX/XXXX and explained that all of this was fraudulent. I told them that I don't know XXXX XXXX and requested to speak with their fraud department. This was received in my email- ( Our records indicate that either you or an authorized party had contact with American Express regarding the account status on XX/XX/2022 and spoke with XXXX. ) On XX/XX/XXXX, I received the card for this person and immediately contacted American Express to discuss this.
Consumer complaint received 2021-07-22
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. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-12-01
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)

These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. Creditor : 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 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