davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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. (AZ)

Hello, I hope that my message will not be ignored. The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! These wrong items killing my plans and planning in general ... I do not recognize this account as for two inquiries I have never gave anybody permission or I have never authorized something like this, please take appropriate actions and remove them all - I am victim of identity theft for sure.
Consumer complaint received 2023-01-18
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)

On XX/XX/XXXX there was a hard credit report documented under my name. To my knowledge, I have not authorized any hard credit report to be pulled under my name since XX/XX/XXXX.
Consumer complaint received 2021-10-13
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. (IL)

On XX/XX/2021 there was a hard inquiry on my Transunion credit report from XXXX XXXX. I did not apply for credit from XXXX XXXX. I called Transunion on XX/XX/2021 and they referred me to you to get a copy of a Fraud Report
Consumer complaint received 2020-08-31
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)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For EXPERIAN 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

For XXXX 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my USAA Credit Card. I requested a forbearance for a period of 6 months. At the time of my request, my USAA Credit Card was current. In my letter, I agreed that the account would be restricted from further charges while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.
Consumer complaint received 2023-04-03
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. (TX)

on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXXXXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Consumer complaint received 2021-11-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance (MS)

In XXXX, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/ I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.
Consumer complaint received 2021-11-09
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. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am formally making a written complaint against Credit Acceptance Corp. I recently reviewed my credit report and noted where the balance is incorrect. This account is currently in collections and has not recieved a payment from me personally since XX/XX/XXXX. I have not spoken with anyone or agreed to settle or make any type of payment or arrangement. Under law only a certain amount of intrest can be added to a collections account. Credit Acceptance has been adding interest to this account since XX/XX/XXXX. Again I have not physically spoke with anyone or agreed to any payment arrangement. Per my credit report {$88.00} was recently added to the balance on XX/XX/XXXX. Projecting as if I made a payment bringing the account current. The account has not been current since XXXX. This account is 7 years and the last payment was made again in XXXX. This is fraud and forgery.
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (WA)

XXXX  XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX   XXXX  XXXX XXXX ) XXXX , XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I file XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Toyota Financial was included, I spoke to Toyota on the XXXX of XX/XX/XXXX and informed them I was returning the vehicle I took to XXXX Toyota, Sales Manager name was XXXX, I gave keys he took pics, said he will call in the nest day, that never happen, vehicle still sitting at XXXX Toyota, XXXX said he gave keys to Toyota Sales rep, and he did nothing?, Toyota is reporting negative information on me with all three credit credit agencies, I filed XXXX XXXX for a fresh start and in spite being included in XXXX  XXXX they are calling me reporting XXXX addition debt dragging my score down even further.
Consumer complaint received 2021-11-09
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( XXXX, XXXX, or XXXX  XXXX  ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from 607-634 due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NV)

The gift cards were purchased at a XXXX grocery store in XXXX XXXX, XXXX XXXX, PA. The cards in question were issued by BB & T bank. This bank merged with SunTrust and is now called Truist. I got the cards during the pandemic and just found them this past weekend. Both cost {$100.00} as they charged {$3.00} for the card. I never activated the card as the little sticker on the front of the card said to do. I called the number on the back of the card XXXX and the man said the card is only worth {$49.00} as of XX/XX/XXXX. They have been taking out a dormancy fee of {$3.00} per month for 17 months even though I never activated the card. I called the XXXX number and they said to call Truist. I called them today and alas they said they have no record of any such cards! I asked who was getting the {$3.00} per month and she was at a loss for an answer. The expiration date for the cards is XX/XX/XXXX! 
The cards were issued by BB & T and are numbered as follows : XXXX XXXX Truist denies these cards exist! If that is true how did they charge {$3.00} a month? 

Someone is getting the money on the falsity of dormancy. I am a senior citizen and this needs to be addressed.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( XXXX, XXXX, or XXXX XXXX ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Consumer complaint received 2020-07-22
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off
Consumer complaint received 2021-11-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC (WA)

previously filed a complaint against vervent claim number XXXX and on XX/XX/XXXX i recieved a letter by email from a student loan servicing agency posing as first associates loans and when i called them they said they never had anything to do with vervent. Either they are trying to scam me, or vervent is a scam. It appears that they are related when i did research on line that they became vervent. Something is wierd. The phone number for this apparent fist associates loans is correct to reach someone, however the email and the address are not valid. I think this report that is on my XXXX report related to vervent, which i thought had something to do with first associate loans are related. I previously had a loan with first associates, but filed and had it dicharged in my bankruptcy. It is imperative that this be removed from my credit if they are related, this is not even a valid debt. I delt with first associates in the past and this company did not appear to be like they were before. They asked for my personal information to look me up and couldnt find me, then told me to call back later that maybe it was a glitch in their system. I asked to speak with a supervisor and they transferred me to someone who referred me to the email adress, so they could help me there. THese people have my personal information now, and couldnt even find me in their system and the guy was studdering alot. I think this is scam and it may be related to vervent. I havent heard from first associates in years and they are not on my credit. The last time i spoke with them i sent them my bankruptcy information and thought this was taken care of. It seems kind of strange that they would reach out to me within a few weeks of me bombarding vervent with phone calls and emails and not hearing back from anyone. Just to be clear, i have not heard back from vervent and i have filed with the attorneys general office as well as the federal trade commission and i will do the same with this. THis was my claim number with the XXXX They letter did not include amount owed or acct number and was written sincerely customer service. very vague letter.
Consumer complaint received 2021-05-02
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.