davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
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. (PA)

This collection account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) is fraudulent and absolutely should not be on my credit report. It has the wrong address and my identity was stolen. I have contacted the FTC and the police about this. This collection must be removed from my credit report immediately.
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (AL)

his company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2100.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (IL)

My Equifax credit report shows 1 unauthorized credit inquiries ; XXXX XXXX XX/XX/2019. Please have this inquiries removed from my credit file immediately, as it is in fact, unauthorized and fraudulent inquiries. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally unverified and unauthorized accounts MUST be removed. This is my third attempt to remove this fraudulent inquiry with this company. I have not gotten investigation results for the reason why inquiry isnt removed.
Consumer complaint received 2023-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MA)

Sallie Mae knowingly approved my student loans ( now totaling more than {$210000.00} ) between XXXX and XXXX for a school and degree that would not warrant that amount. I was too young at the time and had parents that were uninformed of the financial risks associated with these loans and interest rates. Instead of pointing me to other forms of education assistance, they simply approved enormous loans to a young, first-generation student. 

Today, those loans are in deferment because I needed to drop out of that school ( XXXX XXXX  ) for lack of funding. Now, those loans are a huge determent to any financial moves I can make alongside my wife ; I understand I knowingly agreed to those terms as an XXXX. old, but they must understand that I was too young to accept to $ XXXX, $ XXXX amount loans! 

Now these loans are still separate, totaling around {$210000.00}, which means they will charge me monthly payments for each individual loan ( XXXX loans of about $ XXXX to {$60.00} each! ). These amounts, even after I finish my degree and with a working spouse, will never allow any type of financial freedom. Refinancing with other institutions has been impossible as each I've reached out will not touch such large loans. 

In summary, Sallie Mae approved lucrative loan amounts, and then didn't even allow me to finish the degree for lack of funds.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (FL)

I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - Federal - XXXX Violated my rights .... 

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

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

In XXXX I received notification that a new account was added to my credit report. Upon reviewing the account, I quickly noticed it was not my account. I disputed it with a credit bureau and later received documentation of the account. Someone in far XXXX XXXX opened an electric account in my name on XX/XX/2022 and used it until XX/XX/2022. This created an amount due of {$1600.00} that was added to my credit profile. I have never done business with this company or used their service. I had never heard of the town this occurred in until this matter.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (VA)

Apple Card has my funds on hold. they have held {$500.00} from my available credit and not released it. I FILED A FRAUD CLAIM DUE TO A FRAUD CHARGE.. Apple CarD INSTEAD TOOK {$500.00} FROM ME AND IS NOW KEEPING IT ON HOLD. I FILED A POLICE REPORT ABOUT THIS ATTACHED IS THE POLICE REPORT. I NEED THEM TO RELEASE THE FUNDS FROM MY AVAILABLE CREDIT IT IS THE END OF THE MONTH I JUST PAID MY MORTGAGE AND ALL OF MY BILLS I NEED THE AVAILABLE CREDIT FOR EXPENSES THEY ARE HOLDING MY FUNDS FOR NO REASON
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Out of nowhere, XXXX added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.
Consumer complaint received 2017-07-13
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. (CA)

I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send Equifax and   XXXX   alerts to remove the remarks because no investigation was done by the companies in a timely matter.
Consumer complaint received 2023-01-11
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: TRUIST FINANCIAL CORPORATION (GA)

XXXX and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX  XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of XXXX XXXX XXXX XXXX, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within XXXX  days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-09-15
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 made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX/XXXX/XXXX ... attempting to freeze our credit after XXXX XXXX security issues, I was directed to their website where upon after signing up, found out by freezing my credit with TransUnion, I was also signing up for their credit monitoring at a charge of {$19.00} per month. Realizing what I had done, found on checking, I could opt out of credit monitoring, HOWEVER I would still be charged the {$19.00} charge and the credit freeze would only continue through them for a month after which I credit would become unfrozen. On checking my credit card with XXXX Bank, I found that the charge each month is recurring. It seems impossible to reach anyone by phone or email to complain.
Consumer complaint received 2017-09-15
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 made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Consumer complaint received 2023-01-11
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. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions is not protecting me as a consumer. On XX/XX/22 right before XXXX I deposited 3 money orders totaling {$3200.00} into my personal checking account and was told verbally by and via document by XXXX XXXX the teller that the money would be available the next day ( XX/XX/22 ). I checked my bank account on XX/XX/22 ( today ) and saw that not only was the {$3200.00} not available, but the funds I deposited will not be available until XX/XX/22. I am about to make a large purchase, I need my funds available yesterday.
Consumer complaint received 2021-04-02
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. (CA)

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-11-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (FL)

On XX/XX/2020 at XXXX XXXX email was received from XXXX to our Realtor stating that the CD sent was not Final but we need to sign in order to close on time. This was again expressed in a phone conversation with XXXX. We asked our real estate agent to assist due to the fact that XXXX or his assistant were not explaining things to us and were really hard to get a hold of. In which he followed up with the email dated XX/XX/2020 with a recap to us XXXX and the builder. I believe this was a great opportunity for XXXX to reach out if by any chance this info was incorrect. On the day of closing, we were put in a difficult cituation when we saw the amount was not {$9300.00} as previously thought and collaborated via phone by XXXX XXXX days earlier. We did not want to close to the point we left the title company after a phone conversation with our Real Estate Agent and taking into consideration that the builder had XXXX in escrow and that we had already given notice that we will be leaving our current residence we had no choice only to proceed with the transaction. All that we are asking is that the lender keeps his word and refund us the difference of what we got. Yes, disclosure where signed but XXXX told us there was a 3 day waiting period and the need to be signed that way to close on time but those were not the final ones. We feel we were misled and we are owed the amount promised via phone.
Consumer complaint received 2019-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of XXXX I was at a night club. I paid for and signed a legitimate bill for approximately $ XXXX.After I  left the club, there was a second, unauthorized bill that my card was used for, approximately {$700.00}. 

I filed a dispute and My fraud claim was denied repeatedly because Bank of America said that the club had my signature. Of course they had my signature, they forged it on the second bill using the first bill that I signed. I refused to pay the {$700.00} and closed my account. 

I wrote letters to Bank of America, the credit agencies, but to no avail. 

In XXXX of XXXX my credit score fell 50 points, referencing this unpaid bill from XXXX. The agencies Are penalizing me twice for a bill that was fraudulent on the first place.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.
Consumer complaint received 2021-04-02
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. (CA)

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account