davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (OH)

I had a bank account open with current banking online and my bank account was suddenly closed when my account got closed they told me I was going to get a check issued to me because I was receiving my income tax refund to my current account and it was sent to my account on XXXX XXXX Today is XX/XX/2022 I have been sending emails back and fourth since XXXX I had finally received my check and it wasnt for my full amount that it was supposed to be they sent the check and it was for {$640.00} it was suppose to be {$720.00} and the check that was sent was INVAILD!! And I emailed them to let them know the check was invaild and no one has responded to any of my emails since then
Consumer complaint received 2020-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (WA)

They stated the loan was mine but that's impossible I was in the hospital dealing with XXXX XXXX and XXXX XXXX as I had my eye removed at XXXX XXXX XXXX XXXX XXXX MD on the date dates I was told I applied for loan.
Consumer complaint received 2020-10-24
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. (VA)

There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the XXXX credit bureaus and they continue to report the accounts.
Consumer complaint received 2020-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX XXXX Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX/XXXX  XXXXXXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX  not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2021-04-30
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)

Complaint about credit inquires that are on my account and they are not mine, I called customer service would not delete these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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. (VA)

In XX/XX/2020 I filed an Identity Theft report with the FTC against my ex-wife because I realized she had used my personal information to get approved for two apartments that she lived in and then abandoned, and I was left with the legal repercussions of being on her now broken lease without having any prior knowledge of it. I took action and filed the report and placed a security freeze and fraud alert on my credit with all three bureaus and sent them all my Identity Theft report so they were aware of the situation. Just yesterday, XX/XX/2020, I went to check on my credit accounts with all three bureaus to see how they looked. I was able to get into XXXX and XXXX  no problem, but for some reason I couldn't log in to my Experian account. I selected 'forgot username ' as an option to log in and it said that it had sent my  username information to the email on file, XXXX ', which is not my email but my ex-wife 's. I'm not sure how she managed to gain access to this account but she does know all my personal information from when we were married, including my social security number, date of birth, etc. I immediately tried to contact her and asked her to take her email off my account and although my message is 'read ' I haven't received any communication back from her. I also noticed that there were multiple inquiries on my account from the past few weeks from XXXX XXXX which I don't remember authorizing. I immediately tried to contact Experian to fix the problem and get into my account but it was a nightmare. I sent an email to their customer care center explaining the situation and still haven't heard back. Then I tried to call but it took over 3 hours to get on the phone with an actual human to explain the situation and that was useless because they said that they couldn't verify my identity over the phone. I told them that this was an emergency situation because my ex-wife was able to access my account as we speak and that I had already filed an identity theft report against her and they said that since I hadn't provided my social security number with my communication back in XXXX that this wasn't enough for them to take action and I had to send them this documentation in the mail again. I did so and mailed a copy of my driver 's license, social security card and the documentation to place a security freeze and fraud alert along with an explanation of the situation to them yesterday, but I'm panicked that she will try to take out another loan or fill out an application in my name again under my credit. The lawsuits that resulted from this back in XXXX and are still ongoing have already cost me thousands of dollars and I don't want this to happen again. I want the bureaus to verify my identity verbally over the phone before they allow any inquiries to come through, because I need to ensure that they're not coming from her.
Consumer complaint received 2018-07-20
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: JPMORGAN CHASE & CO. (OK)

My name is XXXX XXXX and on XX/XX/2018 I visited XXXX XXXX in XXXX  XXXX, Oklahoma and while I was there I had made a deal to buy a new truck. As we were making the deal we had an understanding that the financing would go through XXXX XXXX do to rebates and I asked to make sure that we agreed that there would be only one credit inquiry and that it would be for XXXX XXXX the sales manager assured me of that then I go back to finance do the paper then the next thing I know Chase bank has pulled my credit. I then inquire about this and I am told that they have an agreement with Chase that they can look at every deal that is made even if there is no chance of the deal being made using Chase bank because I can be 100 % positive that there would never have been a deal done with Chase bank. The next day when I talk to the finance department about this issues and having the inquiry removed because of the misleading ways that they did and the fact that they can have agreement with a bank that they can pull people credit even if there is no chance is wrong then on XX/XX/2018 the finance manager informed me that XXXX nor Chase bank would be doing nothing about this and that I am stuck with it on my credit this is the second time they done this to me
Consumer complaint received 2018-07-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX
Consumer complaint received 2020-11-15
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: NCB Management Services Inc. (TX)

I sent a letter requesting documents to NCB management after disputing with all 3 reporting agencies and having the account reflect differently on each account but never received a response. NCB received the letter on XX/XX/2020, and I have still not gotten a response however they continue to verify the account with the credit reporting agencies.
Consumer complaint received 2019-05-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC (TX)

I been having problems with the staff at this location with someone by the name of XXXX, shes the collectors supervisor if Im not mistaken. I received a call the day of my payment ( XXXX ) for my vehicle & I stated to the girl that I was having a issue with my bank card and as soon as I solve the issue I will make my payment ASAP. Then 4 days later one of their collectors contacted me but i couldnt answer the phone due to the fact that I was at work, so I send him a text message & let him know I was going to the bank that day to get my card so I can make my payment tomorrow. I then asked him if he can send me his email so I can email him. So 4 minutes after letting the collections agent know that I will make my payment I send a email to the agents email basically to cease communication even though I still let them know when I was making my payment. 
Today XXXX I finally received my card, but my vehicle was repossessed. They did not put out a right to cure in my car, door, or mail. They just took my car without letting me know. After that I went to the dealer to complain on why they took my car. They stated because I send them an email to cease communication. When I went to the office I first spoke with XXXX, she told me she did put a right to cure but could not show me any forms. Then after I spoke to the boss ( XXXX ) she then told me as well it was because I was not communicating with them and that they are allowed to repossessed my car without putting the right to cure. Which in these 2 attached photos shows that before I send them the email I still communicated with them. So from my understanding because they didnt like that I send the email XXXX authorized them to repo my car. & now Im stuck with repossession on my credit & more fees that I have to pay only because XXXX did not like the email that I send. To make it worse when I got to the office she was being so rude & was just saying she can basically do what she wants to. When I bought my car there I liked the employees I thought they were pretty nice. But the more you get to know them i realized that you pretty much have to bite your tongue at all times because XXXX will end up voiding my payments just so she can be able to take my car away from me.. PLEASE PLEASE Let me know if you can help me. I feel like I was treated very unfair only because of sending a email. I spent 3 hours waiting to speak the the boss and an extra hour trying to get my car back. Thats 4 hours of my time over a email that I send.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (GA)

I have notified the companies of inaccurate reporting on EXPERIAN : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The following account reporting on Experian, XXXX XXXX XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

The following account reporting on XXXX, XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

It is to my understanding and reason to believe that because this debt was charged off, this debt is cancelled and should not reflect the balance that is currently showing on my consumer file. The dates of last activities are also inaccurate. The 15 USC 1681 states that I have the right to accuracy and fairness.
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (VA)

This complaint is concerning the disposition of a bank issued IRA with Suntrust Bank. My mother has an IRA with SunTrust Bank, she is currently XXXX and not able to performing banking in person, Im her XXXXXXXX XXXX XXXXt and have a valid power of attorney that has been registered with the cleark of courts in the XXXX of Virginia , XXXX Virginia . On Monday XX/XX/2018, I visited the SunTrust bank in XXXX Virginia, and requested closing of the IRA account, with distribution being made to the account holder. After presenting the POA, the bank informed me that the POA was  not valid for this type of account since it did not specifically specify retirement accounts, and the only way to close the account and receive distribution was to have my mother come to the bank in person, and or have a new POA created indicting that retirement accounts were included in POA. 

As indicated to the bank representative, my mother was physically unable to come to the bank, also was physically unable to execute a new POA, and is not in a financial position to have a new POA created. Also, the bank refused to give requested account information to me, the XXXX. 

Im of the believe that the actions of SunTrust on XX/XX/3018 concerning the request to close an account by use of a valid POA violates the Americans with XXXX Act, and the request by SunTrust to have the customer have a new POA developed to meet their corporate guidelines is also a violation of fair banking practices. After being denied the request to close the account by the POA, the attorney that created the POA was contacted, the attorney indicated the POA was valid and should be accepted for all banking  transactions, and SunTrust should honor the request to close and provide account information.
Consumer complaint received 2019-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

XXXX University, Navient and SalleMae ; I wont rest until one day I take this to the highest court. My loans are XXXX I never graduated college in my senior year because in XXXX in XXXX XXXX and Salle Mae did something with the loan. Mind you no one takes XXXX Universities credits so I had to start all over. After XXXX years late XXXX University placed a grant to cover an old bill because they knew whatever occured with the loan that year was not the fault of my own. The loan companies would like for me to claim XXXX an yet they want XXXX dollars that they know ill never have because they ruined my credit and so I cant even get a good job to pay it. Instead Im working through school and no degree and diagnoised with XXXX and XXXX and I blame the loan company salleMae and Navient and XXXX for the XXXX XXXX. I will never be the same due to these loans that should be eliminated since i got them in XXXX and wasnt even old enough to understand that without a good job it would be impossible to pay it off.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (OH)

I have a a unverified account from NORTH SHORE AGENCY. I had previously disputed this account. I have never done business with NORTH SHORE AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NORTH SHORE AGENCY.I declare Myself competent. I am not a Corporation or a Public Entity.NORTH SHORE AGENCY must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, NORTH SHORE AGENCY are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might  constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
any additional interest, charges, or other fees placed on this account. I want to request that NORTH SHORE AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back