davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TN)

To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently did a dispute with TransUnion informing them of me being a victim of the XXXX Data Breach subjecting me to identity theft. Accounts were opened in my name that I did not open and I have asked TransUnion if they could remove it. I have supplied them with all the information that is needed to block the accounts that are listed in my complaint from this Data Breach. Please remove the accounts that are listed from my attached letter as these are not my accounts.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am very dissatisfied with the credit bureau ( Equifax ) I have been unable to receive any knowledge of my credit profile. This matter has been going on for months, I have contact them, send over all identifying verification, even filed for a police report and filed for FTC/Fraud Alert . The have told me multiple times that I am providing them with incorrect mailing address, there's no farther information they can help me with. I have spoken to multiple agents and supervisors, there were not helpful what so every. This very stressful because I have been trying to gain access to my credit report for months.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX keeps reporting a debt that is not mine. I have disputed the account with the credit bureaus and directly with XXXX XXXX  XXXX. XXXX XXXX XXXX keeps sending me " Validation '' information of the alleged debt to XXXX XXXX. This documentation clearly list an address where I have never lived or otherwise had no previous knowledge of its existence ACC # XXXX
Consumer complaint received 2018-06-10
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 — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service (VA)

I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with me.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (CA)

Company : Army & Air Force Exchange Service, Collections Department. 
XXXX XXXX  XXXX XXXX TX XXXX Since 2020, the Army & Air Force Exchange Collections Department has been intercepting via my Social Security payment {$180.00} each month to repay a credit card debt. The problem however is that they are only crediting my account {$170.00} each month in the reduction of the debt. They claim that the {$14.00} diffence is for fee 's that they are entitled to however on their statement that they issue, they only report that they've received {$170.00} ( total ) in monies received from the Treasury department and on their statement they do not report ANY fee 's being charged. 

They do not report the {$180.00} that they receive that the U.S. Department of Treasury reports they send each month. I have contacted them and they have not offered ANY explaination other than they are allowed to charge fee 's but when I question why isn't there any fee 's listed on their statement they send out to me and why do they report that they've only received {$170.00} instead of what the Treasury department reports that they send to them each month which is {$180.00} they hang up in my face. 

I suspect they are skimming a small amount of money each month and committing fraud by not reporting accurate amounts of money received nor are they listing fee 's that they claim they are charging on their financial statement ( as a matter of fact ), they list {$0.00} in fee 's collected on their financial statement they send out to debtors. 

In addition, they purposely do not report monies received to the all 3 credit bureaus XXXX, XXXX  and XXXX  but indicate it in the comment field that a payment was received so the credit agencies do not reflect actual payment received which directly impacts one 's credit score. They are required to enter payments received in on the credit bureaus " payment 's received '' section, but only do so in the " comments '' section which they know will detract from your credit score. It's their way of intentionally manipulating the situation in a deceitful manner so your credit score will not reflect payment so your score receives no benefit or reflection of payments being made to satisfy the debt. ( which impacts your credit score ) I would like this to be investigated because I don't think that's legal. The Army & Air Force Exchange Collections Department I believe has been sub-contracted out to another company who is not ethical nor professional in the collection of debt.
Consumer complaint received 2020-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-09
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. (GA)

1.

Remove the addresses from my credit report. the 3 credit bureaus did not remove my addresses from the previous dispute. all they did is joining together the zip codes on them and update which was never there. attached informations for the reference. 
Not my address- FCRA Violation XXXX XXXX XXXX XXXX , GA XXXX - XXXX. 
XXXX XXXX XXXX  XXXX, GA XXXX - XXXX My Correct address is as follows XXXX XXXX XXXX, i XXXX XXXX, GA - XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

2. 
Addresses, names and variations incorrect on all three credit report- they have not corrected them. attached the document 3 XXXX  XXXX XXXX - Remove this Not mine- FCRA Violation Closed Unknown payment history 4. 

XXXX XXXX Dispute This account ASAP- not mine {$0.00} Closed 14 late payments Account number XXXX XXXX XXXX XXXX XXXX XXXX Delete this account- not mine -fcra violation XXXX XXXX XXXX, GA XXXX XXXX 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX - {$20000.00} Closed 46 charge-offs Account number XXXX XXXX XXXX - Remove late payment {$0.00} Closed 18 late payments Chapter XXXX bankruptcy dismissed- Not my Bankruptcy.- attached screenshots- and public record XXXX XXXX XXXX XXXX- Dispute This account- not mine- FCRA Violation Account NumberXXXX
Consumer complaint received 2021-03-24
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. (FL)

While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this and have been a previous victim of fraud/ fraudulent account opening. 

Experian The following inquiries below were not authorized or consented by me and are fraudulent XXXX XX/XX/XXXX XXXX  Card- XX/XX/XXXX XXXX/ XXXX  XXXX- XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-24
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. (NV)

Transunion has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request. I have yet to receive their Method of verification or anything about how they verified the accounts and information. There are several violations that they fail to address or correct. For example, On one creditor alone they reported 19 times that the account was charged off. One account can not be charged off 19 times. Payment histories with the wrong codes. This similar situation is reported on other accounts. There is missing payment history that doesn't line up with the reported data on the report. There is missing information on my report. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.
Consumer complaint received 2021-02-09
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: Resurgent Capital Services L.P. (GA)

On XX/XX/2019, LVNV funding LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further review, this account was transferred/sold and I am no longer responsible for this account. Also, there was NO form of communication, contract, or signature for the accused debt at all. A Bill without a signature does not validate the debt and anyone can send a bill in my name and say its mines. LVNV has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.
Consumer complaint received 2021-09-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2021-03-24
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. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the Target Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.