davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. These inquiries were not authorized by me and should be considered ID theft. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX  report. 

Inquiry details XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-16
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. (OH)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XXXX Here are the requested documents to remove my credit freeze so I can reset my XXXX  account and take care of my financial business.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

First, this is the dispute I filled with Citibank. Dispute case XXXX APPEAL Hello, I am disputing/ case XXXX  XXXX on my debit card ending in XXXX This charge was made on XX/XX/XXXX i n XXXX FLORIDA . I did NOT authorize this nor did I make this purchase. There were 3 changes on XX/XX/XXXX XXXX for. {$68.00} 1 for {$38.00} and another 1 for {$290.00} All made in Florida I LIVE IN CA LIFORNIA and did not make these changes! NONE of these belong to me. Credit for 2 of them was issued back however you are not crediting me back the XXXX.. Please look into this and have this cleared up. If you have any questions please feel free to contact me at XXXX. Citibank will not credit me back the {$290.00}. They claim there is not enough evidence even though the y credited me back for the other 2. all of these charges were at the same place at the same time. 
I am not getting any resolve from citibank. They have been looking into this for several months a nd I keep getting the run around and keep getting transferred from person to person telling me t hey are looking into this and yet no resolve. I went into Citibank on XX/XX/XXXX spoke to a woman name XXXX  XXXX phone is XXXX who told me that she would help and could see the change was obviously not mine. She then went on vacation for 2 weeks, upon return I called her on XX/XX/XXXX S he told me she was in the middle of an audit and would not be able to help me then said I'd have to take this up with the dispute department that she could not help. That is what I have been doing for MONTHS! Please help me resolve this as I can not get help from Citibank. they are not protecting me or my money Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-04-07
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. (AZ)

XXXX  Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-07
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. (AZ)

XXXX Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-12-09
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. (NJ)

I sent letters to Experian, and XXXX  and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.
Consumer complaint received 2020-10-29
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: CORELOGIC INC (IL)

I have reached out to this company several times via mail and no response due to two inquiries I noticed on my credit report in XX/XX/2019. I spoke to a customer representative in XXXX who I indicated that there were 2 duplicate credit inquiries on my credit report from them. They were able to search the system to tell me it was a company that requested my credit report called XXXX XXXX XXXX I indicated to them that my identity had been compromised and my bag was stolen which pertained my laptop, wallet and other personal items. In addition there is a fraud alert on my credit report, that does not allow any one to pull my credit unless I authorize it, in which I did not make no such authorization. I also noted that my identity was compromise and I had a police report. As of now these inquiries are still on my credit.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I disputed this collection directly to Wakefield & Associates requesting for Validation on XX/XX/2023. This company never responded. I then disputed with XXXX in XX/XX/2023 online and only noticed online that the dispute was " Verified As Accurate. '' How can this be accurate when I have not received any documentation to show proof that this belongs to me? I do not know what this is!
Consumer complaint received 2020-11-16
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. (NY)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-28
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-04-29
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. (NJ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (WA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Attorney - XXXX XXXX XXXX XXXX  On behalf of Synchrony Bank XXXX, WA XXXX RE : Account XXXX Dear XXXX, I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter.
Consumer complaint received 2021-08-19
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)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (CA)

I received a collection letter from Synergetic Communication , Inc stating XXXX XXXX XXXX has placed with their office for collection in the amount of {$2100.00} and offer to resolve my account with the following discount payment of {$540.00} due by XXXX. The original creditor was XXXX XXXX XXXX Visa, Ive called XXXX XXXX and was told I have a XXXX dollar balance on my account and the account has been closed for years. I am very aware of my financial obligations and is very alert with my credit history. I believe this is a scam and it needs to be stopped, not fair to the citizens and consumers.
Consumer complaint received 2020-04-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (OK)

I contacted Consumer Portfolio Services in the first part of XXXX and let them know that I was suffering from the XXXX XXXX  and was unable to make my payment and was seeing if there was any assistance that they could offer me. This is when I cam in contact with XXXX, the department manger with Consumer Portfolio Services. He stated that he was terribly sorry for the situation that I was in and stated that they could approve the extension for the months of XXXX and XXXX. I then started getting phone calls from them again and representatives stating they were calling to collect on both months. I spoke with XXXX again on XX/XX/XXXX, when he advised me that the extension for the month XXXX had yet to be processed and that the extension for the month of XXXX was not approved after all. The month of XXXX extension having yet to be processed, caused me to receive a credit marker as well as earn a late fee with the company and on my credit report when arrangements were already made with the company and thought to have been resolved to prevent the credit marker. Then, to be released from the hospital only to find out the company had not processed anything for me and now I have the late fee and credit marker removed. Not to mention I had to take the last of my rent and medication money to pay the XXXX payment that he advised was approved for extension as well. I was then forced to submit a request for a " pre-approved '' extension on XX/XX/XXXX after expressing concern over the date on the document and that it made it look like I was requesting the extension late when I had originally requested them at the first of the month. All I was trying to do is get better and survive and took for granted that XXXX would do the things promised. Just to discover that they had not done anything promised, but instead, allowed interest, late fees and credit markers to accumulate during a time of DIRECT SUFFERING of national catastrophe.
Consumer complaint received 2020-11-16
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections (OR)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made formal written requests to Bonneville Billings and collections to stop contacting me and attempting to collect of a debt that I discovered was due to my identity being stolen. 
Bonneville Billings and collections responded with pursuing legal action against me on XX/XX/XXXX. That was suspended due to Covid 19.

Since then, I mailed records of my police records and identity theft affidavit to Bonneville collections with another written statement informing them that this very bad old debt was a result of identity theft. 
Today on XX/XX/XXXX, I received a re-scheduled date of the small claims hearing where they are during me for this very bad debt.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CT)

I refinanced my home in XX/XX/2020 and Paramount Residential Mortgage Group took over my mortgage. PRMG was supposed to manage my escrow account and make payments for my property taxes and homeowner 's insurance ( XXXX XXXX ). I have documentation from my attorney who closed on the house verifying this. PRMG failed to pay my homeowner 's insurance causing me to receive a letter from them stating my insurance was expired. The payment should have been made in XX/XX/2020. I was given only a few days extension to get them payment so I do not lose my insurance coverage. I called PRMG 11 times, spoke to at least 6 different representatives. I was told multiple things that " I need to do '' even though the mistake is theirs. No one was able to help me, and I was constantly transferred and hung up on for no reason. The issue is still not resolved and I am worried about losing my insurance. This has caused me unnecessary XXXX and XXXX. The fact that no one can help me at the company is unacceptable.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.