davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX am working on my own credit and requesting that you process my request below or I will be reaching out to an attorney. I am keeping record off all communications and non communications. 

I have received a current credit report from your organization. After reviewing the personal records, it is clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. Creditor is U.S. Bankruptcy Court XXXX I am really worried about the consequences of this error since I am in the process of asking for a loan. 

I respectfully request some instrument that bears my signature on this account or the item must be deleted from your report within the next 30 days. 

Please provide the name, address, and telephone number of each credit grantor that you have contacted. 

Under federal law, you have thirty ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (CO)

They reported all my accounts as 'Not Current ' in XX/XX/2020, yet I made payments in XXXX and XXXX that would have covered my XXXX payments. They show XX/XX/2020 as current. 
When I called to ask if I can make the XXXX payment they declined because I am not a current student. 
It does not make sense to me that they reported XXXX as not current and applied my payments to XXXX. 
I do not know but it seems that once they applied COVID-19 deferments things were incorrectly appropriated. 
I wished that I could have made the payment so that I would not have had such a detrimental decrease in my credit score causing me not able to refinance home loans and student loans.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MO)

This account has been notified of the fraudulent activity that was involved with the original creditor XXXX/XXXX ending acct XXXX.This creditor is harassing me with multiple shell agencies it owns to collect on a debt that is not mines Please delete this acct from all reporting bureaus immediately
Consumer complaint received 2021-06-23
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. (IL)

Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-14
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. (OH)

Experian Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call Experian Opt Out at XXXX or write. 
First - XXXX XXXX XXXX regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on Experian, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via Experian is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. Experian 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want Experian collecting, or reporting any of my financial history.
Consumer complaint received 2021-12-01
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. (TX)

Over the last 6 months, I have been trying to correct my credit report and I have been told by the credit reporting agency, such as Experian, XXXX, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -First Progress XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing great harm to my living.
Consumer complaint received 2021-02-08
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: PENNYMAC LOAN SERVICES, LLC. (FL)

PENNYMAC LOAN SERVICE ***** Opened XX/XX/2014 Balance {$170000.00} As a consumer, I have legal rights that are given to me to safeguard me from misinformation being announced on my own credit report. By now I need to produce a final demand for inspection before I speak with my lawyer for advice on how to handle inaccurate and unverifiable issues that are continuing to be validated as valid. Be sure you provide me along with a copy of the contract fixed or voice dialogue where I authorized billing me from this account.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc. (PA)

Diversified Consultants is the company name they gave. They have repeatedly called me and both of my parents ( I'm XXXX ) threatening that the police are coming, that they are coming and going to charge me with 35 counts of something. I have full phone call logs and have kept the voicemails. They said they are trying to collect {$810.00} for XXXX XXXX. Somehow they are also getting around being blocked. Dates of calls start XX/XX/2018 this has been happening up to 16x in 1 day! I called them and they deny it but as I said I have the proof. This should be illegal.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have been a victim of several identity Thefts : IRS, XXXX XXXX XXXX, Capital One, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for XXXX, XXXX, I was incarcerated and placed on XXXX XXXX from XX/XX/XXXX XXXX XX/XX/2019. I did not have possession of any XXXX at that time. 
According to the Fair Debt Collection ActXXXX XXXX, Fair Credit a reporting Act. The following statutes are to be followed. These Statutes are subject but not limited to 605b. Which state that the Credit Reporting Agency MUST DELETE ANY INFORMATION WHEN IDENTITY THEFT HAS BEEN BROUGHT FORTH. After several documents going back and forth from me and Capital One they sent me a letter Dated XX/XX/XXXX stating the following the application was taken over the phone or on the internet and therefore do not have any documentation to give you.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX has violated my right.

15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX has violated my right.

15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-28
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. (SC)

I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.
Consumer complaint received 2021-02-08
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: Aqua Finance, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (IL)

My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!
Consumer complaint received 2021-02-08
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX Inquiry :XX/XX/2020, FIFTH THIRD BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-01-28
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. (NC)

I am a victim of identity theft and there is a fraudulent account reporting to my Equifax report. I have provided Equifax with every single document that is needed for this account to be removed from my file and I've shown proof of fraud. Equifax has refused to remove this fraudulent account and continues to report fraudulent information. This account was not opened by me nor did I authorize or benefit from this account. I am requesting that Equifax use the documentation provided to them that they've requested and verified ; to remove this account ( s ) immediately. I have attached the Police Report and removal request letter to my dispute. Unfortunately, the Federal Trade Comission Affidavit is too large to attach, however this has already been provided to Equifax to use to  block/remove this account. The account that I am requesting to be blocked is XXXX  XXXX XXXX ( Credit Card ) // Opened : XX/XX/2017 XXXX Balance : {$240.00}. This account is a fraudulent account and should be removed immediately.
Consumer complaint received 2021-02-08
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: Eastern Account Systems of Connecticut, Inc. (NY)

Easter Accounts Services are reporting a fraudulent account on my credit. I dont know what this account is as i never received services with this company. I am not responsible for the {$80.00} as the service werent incurred by be. Please remove this account from my credit. Please see the attached Federal Trade Commission report
Consumer complaint received 2022-05-01
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. (GA)

I filed for Bankruptcy on XX/XX/18 and it was discharged the same year, but all the accounts that were included in the bankruptcy are still showing open.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I pulled my Experian consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Experian deleted ( see attachment ). By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692. Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Experian. 
Attachments : Affidavit of truth XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX Green receipt stamped XX/XX/XXXX Photo ID