davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.
Consumer complaint received 2020-08-21
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. (CA)

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 
Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (IA)

A loan was taken out in my name, but not by myself. It was taken out through arrowhead advance. I am in the process of changing my ssn. But they had auto-withdrawn money from my account for months and i didnt realize it until it was too late to fill an unauthorized transcation form for most of the withdrawn funds. 10x ( 1 time weekly ) from XX/XX/XXXX until XX/XX/XXXX. All dates hilighted in yellow are ones taken from my account
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

My room mate and I keep getting debt collection calls from XXXX XXXX XXXX from this phone number XXXX  XXXX XXXX  XXXX. The problem is that they do not identify whom they are trying to reach. If my room mate or I have or are expecting an important phone call we let each other know about it. They do leave a message that states they are debt collectors but neither my room mate or I have any outstanding or over due accounts. There is nor has never been any mention of who they are trying to contact or for what purpose. I just want these phone calls to stop. I refuse to call back anyone that will not identify who they are trying to contact, and believe these calls are bogus.
Consumer complaint received 2018-06-26
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. (SC)

I had a fraud alert placed on my credit file with Transunion that indicates anyone who runs my credit needs to call me in order to do so. That wasn't done which violates my rights as a consumer, and I am now left with several inquiries that I did not authorize. I've reached out to Transunion several times to advise of my credit being pulled without my permission.
Consumer complaint received 2022-01-08
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (FL)

Went through the signup process at lendingtree.com to receive a quote for an auto loan. 

There is a 10+ page process to this, and around page 6 they quickly flash a consent form where they've conditioned you to not look. 

At no point did I have to check a box, or read through and agree to the sharing of my information with a third party. It was implicit in me filling out the form. 

I believe this is against the spirit of the GLBA if not outright illegal. 

In addition, they refuse to delete my personal information and don't seem to have any means to undo its sharing. 

Without my explicit consent, they have permanently and intentionally caused a breach in my financial privacy for their financial gain.
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC (FL)

Years ago around XXXX I lived in XXXX XXXX of XXXX, Fl as a single father of two. I was wrongfully evicted for having a girl stay the night every now and then and they claimed she was living there. A year after being evicted I found out they had put a collection on my credit report for {$4500.00} for a few years I tried to dispute with no luck. I never received any information stated I even owed them any money. Fast forward to XX/XX/XXXX I had to find a new place for my family but could not due to this collection. I called Mutual Management Services and spoke with XXXX. XXXX informed me that a {$50.00} payment was made towards my debt in XXXX. I asked how is that knowing I that I never paid anything to them. He could not tell me or provide any proof to me of how it was paid or even anything about my debt. I was told they did not have to send me any information on my collection and I must pay to avoid legal issues. Desperate to get this removed from my credit report we came to a verbal agreement of a settlement of {$1500.00} to have the collection removed. When I asked for a settlement letter stating what we agreed upon and that the collection would be removed. XXXX had then told me no that he can not and does not have to send a settlement letter. I have tried contacting a manager/supervisor of Mutual Management a few times but I am always told there is not much me available. I have left multiple messages to have a manager/supervisor call in regards of this situation and have never had a return call.
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

the company incresed the loand wen they gat car they did not takl us that loan was only interes only and nothing was to the principla. we traet to refinansed after 6 months cause that was the original agrrement. so far they just say they not refinancied and they say our loan its not paying any on the principal.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX  XXXX started Threatening to do a civil suit against me for a debt from XX/XX/XXXX, the original amount was about XXXX , saying I will be sued for XXXX $ Plus attorney fees. If I pay today I will only pay XXXX XXXX Saying I will be sent to court. I explained that I dont remember this card and was willing to pay original amount but was told that is not an option. I need to say yes or no to the amount they offer or I will be going to court and be sued by JCpennys. Was told I fell off collections but the reserve the right to sue me for the money. Never remember these fee. Called JCpennys and talk to collection/account services department and was told this account was paid off and closed. Doesn't show that was sent to outside collections. I never had it on XXXX XXXX  or XXXX. And this agency had all my personal information.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

XXXX Equifax, and XXXX were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MI)

I looked at my credit report. There is one account placed with collection agency. I did not own this account. This seems to be Identity theft. Following is information about account RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX PLACED FOR COLLECTION XXXX BALANCE- {$1000.00} ORIGNAL CREDITOR- XXXX This account does not belongs to me. It looks someone fraudulently open this account on my name. I already contacted the Credit companies and requested them to remove this account from my credit file..
Consumer complaint received 2020-08-21
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: Kansas Counselors, Inc. (MO)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-02
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any 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 617 Civil liability for negligent non compliance ( 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. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXXXXXX XXXX XXXX Inquiry Dater XX/XX/2023
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (NY)

On XX/XX/2022, I noticed on my credit report a collections being reported in the amount of {$1800.00}. I began the disputing process, and after waiting months for a resolution, on XX/XX/2022 I requested a debt validation letter from the collection company known as Eastern Account Systems. After waiting over 30 days, I called the aforementioned collection company to demand that the debt be removed. To which I was informed that a debt validation letter had already been sent to a previous address. I believe this is a blatant lie, as my address had been updated over a month prior to this company even receiving the debt with both the USPS and NYS DMV. In addition the USPS had instructions to forward any mail received to my current address for an additional 90 days. I believe this a a malicious violation of my rights guaranteed by the Fair Credit Reporting Act, and demand that not only the debt be removed from my credit report, but also I am compensated for my time and distress in regards to this matter
Consumer complaint received 2022-08-09
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. (FL)

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  XXXX. Account Number : XXXX ; Account Name : XXXX  Account Number : XXXX ; and Account Name : U S DEPT OF ED/XXXX, Account Number : XXXX ; U S DEPT OF EDXXXX, Account Number : XXXX ; U S DEPT OF EDXXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2020-10-14
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)

To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -
This is not my account.
Consumer complaint received 2020-08-21
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: Conn's, Inc. (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-21
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: RentDebt Automated Collections, LLC (TX)

I have disputed a fraudulent account. Rent Debt Automated collection through XXXX. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? XXXX  is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.