davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (MS)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2020-09-10
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. (NJ)

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. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-11
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   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 2017-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX, CitiFinancial claims I had a personal loan with Citi Financial for {$5400.00}. 
- In XX/XX/XXXX, they stated there was an agreement where a term of no interest, penalties or fees on the remaining balance ( 2 years old ) and monthly automatic payment were withdrawn from my bank account. 
- At some point, the auto withdraw was stopped. I assumed the debt was settled. I never was notified about any other dept or balance. 
- They ( Citi Financial ) told me today that on XX/XX/XXXX, they did charged off for the balance of this account. 
- In addition, they ( Citi Financial ) said on XX/XX/XXXX Citi Financial filed and received a Judgment in the amount of {$5.00}, XXXX. More than the initial debt and no credit for monies paid. 
-I bought three different homes. All three were through XXXX XXXX. Both myself and my load officers contacted Citi Financial and was told no debt was on file and no outstanding debt was owed. These documents were part of my loan closing. In addition, the three credit bureaus removed the information from my credit report. 
- Now, here in XX/XX/XXXX, they are sending me a " Notice of Forgiveness '' for the amount of {$2600.00} ( 9.75  years Later? ). I will be given a XXXX for that debt. 
Should I not have gotten this XXXX when the alleged account was Charged off in XX/XX/XXXX? Or, some attempt to collect in XX/XX/XXXX? How much were the automatics payments taken from my bank account? 
- I am disputing this attempt to issue me a XXXX on the alleged account and the balance of {$2600.00}.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NM)

This is an addendum to CFPB Complaint # XXXX. Attached is an addendum to XXXX XXXX Police Department XXXX # XXXX, filed on XX/XX/2022. The credit card institution 's, Barclays US Office of the President, has not replied to repeated communication attempts regarding the CFPB regulatory complaint. The complainant is going on record that payment of the disputed XXXX  credit card charge is being withheld by the complainant.
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # 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 a account without my written instructions The debt that is being reported on my consumer report is only on transunion the credit reporting agency has failed to report accurate and complete credit information.
Consumer complaint received 2019-05-15
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CA)

I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and XXXX ) which I have disputed with LVNV LLC. I do not have a contract with LVNV LLC ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and XXXX to send me proof of my original contract with LVNV LLC or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Consumer complaint received 2017-12-08
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. (NC)

To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XXXX XXXX, XXXX to Experian National Consumer Assistance via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXX, Experian tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

XXXX XXXX the XXXX, I disputed a XXXX charge from XXXX  XXXX XXXX that I am not intended to purchase. But on the XXXX citi bank charged me the credit and on the XX/XX/XXXX they send me a letter said the dispute case is closed and I have to pay the money on XXXX.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2021-10-06
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (AZ)

XX/XX/XXXX I went to XXXX to pick up my rental car. I rented there before and asked the agt that the deposit hold would be the usual {$250.00}. He said yes. He finished the rental agreement and I walked out to the car but got a text from XXXX saying {$280.00} had been deducted from my acct. I went back in and showed the agent. He showed me his register and his showed {$250.00}, I showed {$28000.00}. Evidently I had an active reserv. for the 24 hr rental and a previous weekend rental I had cancelled. The agent wrote the agreement from the cancelled reserv. I called XXXX and was told XXXX would have to issue a credit once they cancelled the agreement. ( I no longer needed the car as I had to be where I was going by a cutoff time and that was less than an hour from then and the drive itself was an hour. ) On XX/XX/XXXX at XXXX XXXX credit + {$250.00}. At that point we were even.The very next posted transaction on XX/XX/XXXX at XXXX is a DEBIT for {$250.00}. From all the information I am able to see through the customer website I see no evidence of the original debit on XX/XX/XXXX ( got a letter to supply to the mgr at XXXX  ) the credit on XX/XX/XXXX and the second debit on XX/XX/XXXX. For almost the last month I have been trying to get what it looks like I am owed. I filed a formal dispute XXXX by XX/XX/XXXX it was closed because XXXX issued a credit. Tonight I spoke with XXXX/netspend and a month later I am being told that not only did XXXX issue a credit but now I was told XXXX/netspend also issued a temp credit and that is why the 2nd debit at XXXX XX/XX/XXXX to reverse out this supposed temp credit issued by XXXX/netspend. If that is the case, why am I just finding this out now? Why didnt the dispute process uncover this supposed temp credit. The XXXX agt kept asking me " how do you think your balance got to over {$500.00} after the {$250.00} credit? on XX/XX/XXXX my balance shows at {$280.00}. XXXX  credit posts and my balance goes up to {$330.00} approx.. ( i had loaded {$280.00} onto my card right before going to get the rental. I said, " thats how my balance got over {$500.00}. Needless to say the cust svc agent has all the levers of control in from of her,
Consumer complaint received 2018-06-11
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   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 2017-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

My name is XXXX XXXX XXXX and I started an account in coinbase onXX/XX/XXXXwhere I bought XXXX $ worth ETH and later transferred XXXX $ to XXXX to buy some more ETH. However, in the mean while I bought some more ETH through coinbase worth XXXX $ assuming that this would be deducted from the XXXX that I transferred earlier. Later I have realized that this XXXX $ was transferred on top of the XXXX $ as my bank account was showing negative balance. In order to restore this I tried logging in to coinbase through my personal laptop and since that moment it was locked. Amidst all this confusion I saw around XXXX $ charge on my credit card being used to buy ETH, which I did not authorize and so I had to block the transaction by notifying this to the respective bank. I tried reaching out to the coinbase customer support ( which is stupendously slow ) and waited for around an hour only to hear the automated voice asking me to call back. The online support system is useless in its own way and I am currently in a helpless situation as to what exactly is happening with the money that I have transferred and did any of my transactions go trough.
Consumer complaint received 2019-05-15
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. (TN)

I have been trying to obtain credit from my bank for over 3 years. Each time to try to get my Credit Freeze Lifted my XXXX XXXX XXXX XXXX XXXX claims that they can not obtain my credit information. I get tricked into giving them my Credit Freeze Pin Number : and my credit information is being manipulated. I have been trying to work with Equifax Credit Reporting Bureau, however this company seems to not be doing a good job monitoring my credit information.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

This company sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL. I know the person that lives there and the person gave me the letter today. I asked Midland Funding to STOP sending me letters threatening me with a lawyer or possible lawsuit. My identity was stolen and I dont have any account with XXXX XXXX. The person who opened the account put a different name, MY NAME IS NOT XXXX XXXX XXXX ; that means that is not mine and I didnt authorized it. Moreover, Im asking this company to STOP any type of communication with me or my family member before I put a lawsuit against them for harrasing me. Lastly, this company has a lawsuit against them for signing affidavits illegally and fake.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-21
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: U.S. BANCORP (IL)

I notice that my credit report was ran without my consent on XXXX by ELAN FINANCI twice , XXXX by XXXX XXXX XXXX and XXXX by US BANK. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Consumer complaint received 2017-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.