davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (AL)

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Zip Code : XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Cc : XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (NJ)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above is the list or unauthorized inquiries. Please Remove this in accurate information from my credit report.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

The company has provided myself and the CFPB a debt validation letter that includes a medical diagnosis of the alleged patient, but have not provided a signed HIPAA release form. That is a HIPAA violation and this debt must be removed immediately, or they will face fines and legal action.
Consumer complaint received 2020-11-28
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stokes & Wolf, P.C. (CO)

On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (NY)

I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

This problem is with Coinbase, LLC ( www.coinbase.com ) On  XXXX   XXXX ,  2017 i trie d to transfer  XXXX    XXXX    from my Vault on their system, the transaction was not working and was stuck in a " Approval needed status, so i cancelled the transaction and recieved a confirmation the transaction was cancelled, however the amount was still subtracted from my balance putting me into a negative balance situation.     I Immediatly opened a case with coinbase support and have asked for updates daily since then with absolutely NO response from them and the account is still in a negitive balance situation.     i Hereby request that the  XXXX  transaction be removed since it was cancelled and should not be showing on my account.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (TX)

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-01-28
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$310.00}, XXXX  XXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
Consumer complaint received 2023-01-28
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. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


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 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 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX ( Monday ), I was scammed by individuals who claimed to be from the ICE ( US Immigration and Customs Enforcement ) and lost roughly {$3300.00}. I would like to file a complaint regarding a transaction that was made through Pay Pal which was made on theXX/XX/XXXX when the scammer hacked into my phone and had access to my Paypal. A total of {$110.00} was transferred to his email XXXX XXXX XXXX. The Paypal transaction ID is XXXX. This was paid with my XXXX XXXX card with XXXX XXXX.
Consumer complaint received 2018-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX Capital One sued me and took me to state court. I fought the alleged debt because i was not sure what it was or why they were suing me. I went to court and the lawyers for Capital One were not able to provide proof of a contract or account statements showing what was purchased. I won the court case and i have a judgment in my favor against Capital One. Now this year in XX/XX/XXXX Capital One sent me a XXXX  IRS form claiming that i owe taxes of {$25000.00}. This is an outrageous claim i already won this case in court. Now they are stressing me out even more after i have had to fight this frivolous claim and was stressed out and it took a huge emotional toll on me for over a year. This is not acceptable and i already sent a certified letter to the CEO of Capital One. They responded that they will not alert the irs of the fraudulent information they have supplied to them. This is their last chance to fix this issues before i turn this over to the United State Attorney General and file a lawsuit against them.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank sent me an offer in the mail regarding opening a new account. The personal code for the offer is XXXX. The offer stipulates that the account must be opened before XX/XX/XXXX, that 10 purchase must be made and online statements established within 30 days of opening. The account was opened on XX/XX/XXXX and enrolled in online statement and 10 purchases made within 30 days. There is no confirmation stating the online statements were selected/enrolled so there is no way for the consumer to know the process has failed. This process is intentional and by design so that Regions does not have to pay the {$400.00} bonus they offered. The process is deceptive and unethical. When I called on XX/XX/XXXX, the representative confirmed I was not enrolled into online statements. I told her that I did and there was no way for me to know the process has failed. She enrolled me at that point and said if I don't see the bonus that they would open a ticket. I called again on XX/XX/XXXX to inquire again and the representative said I would receive it on the next statement cycle. When I called again on XX/XX/XXXX, the representative said they found no record or reason so they opened a ticket ( # XXXX ) to find a resolution. And on XX/XX/XXXX, a representative called to tell me I didn't enroll in online statements within 30 days of opening and I would not receive credit. I have filed an official complaint with Regions Bank ( # XXXX ) for unethical and misleading practices.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Consumer complaint received 2018-07-11
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. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-28
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)

This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXX  XXXX Balance : {$7300.00} DEPT OF EDXXXX XXXX Balance : {$44000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$20000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX  XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

This company took more than 30 days to respond to my dispute letter when it was received. Under the FCRA 609/611 They are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. They are required to do this under the FCRA 609/611 provisions. I demand the disputed accounts to be deleted. 

Disputed letters : Date received XX/XX/22 Date replied XX/XX/22
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2021-03-04
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. LIGHTSTREAM on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )