davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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)

Despite three written requests, an unverified physical address remains on my credit report in violation of Federal Law. It has been found that the physical address DOES NOT associate with me. This identifier has no relation to me and is on my report directly as a result of the creditor XXXX XXXX XXXX. I have attached supporting documentation in previous attempts that this creditor has been negligent with this information and this particular account and address needs to be deleted from my report immediately. If you review the response from CFPB Complaint # XXXX by the company Experian, they admitted to neglecting the removal of inaccurate information by stating " Regarding the disputed items, at your request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, HOWEVER, they MAY have updated other aspects of the accounts. '' The federal law is quite clear in this regard about inaccurate data. A complaint has also been filed with the Florida Department of Agriculture and Consumer Services with XXXX  # XXXX against Business titled Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I am due to make the final payment on my car loan, with Credit Acceptance, on XX/XX/XXXX. According to their web site my final balance is {$440.00}. A few weeks ago I called them to verify the balance on my loan. The agent would not give me the information I requested. She kept dancing around the issue and saying she couldn't give me an amount until XX/XX/XXXX, when my payment was due. I made the XXXX payment on XX/XX/XXXX. She just wanted to talk about a past due payment they say I owe. In XX/XX/XXXX they added {$620.00} to my account from a repossession in XXXX. I retrieved the car. I have made a total of {$740.00} extra on my payments since XXXX, XXXX. I should not owe {$120.00} past due. I haven't missed a payment since XXXX. They have continually given me problems when I call and won't answer my questions. In XXXX the site listed {$190.00} past due. Today it was {$320.00}. It changes daily going up and down. I have asked if that is part of my balance or extra. They won't answer my direct question. I live on Social Security and need the information I asked for so I can make my final payment on XX/XX/XXXX. They take advantage of people who have financial problems and during the past two years, with COVID, they won't help me. I have paid 29 % interest for 65 months. XXXX is the end of my contract. Please help me.
Consumer complaint received 2022-07-20
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. (NC)

On XX/XX/2022, I submitted a letter to Experian stating they are in violation of reporting unauthorized accounts on my credit report. I requested for these medical bills to be removed from credit report based on the No Surprises Act and 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) -shall not be any medical bill or information reported on a consumer report. 

On XX/XX/2022, Experian email me the results which contain a few XXXX XXXX and other unauthorized accounts that I notice on my consumer report that I have given Experian any written consent to place any accounts on my report. 

On XX/XX/2022, I wrote Experian another letter requesting fro Experian to delete all the accounts listed in the letter based on the fact I have given Experian the consent to add the accounts to my consumer report. This is based on Federal Law 15 usc 1681b- permissble purpose and 15 usc 1681b ( a ) ( 2 ) - Nothing can be furnished on my consumer report without my written consent.

Experian LLC has broken Federal Law by furnishing unauthorized accounts without my wriiten instructions. Experian also broke federal law when they furnish medical collection as well in which is invasion of my right for privacy,
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2024-11-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

As part of a settlement agreement, which Citibank claims it has honored, balance on accounts including Bestbuy are to be waived in full. I have not been able to obtain a hard copy of credit report, unable to confirm trade line waiver on credit file, however, my online Bestbuy account still shows a balance due with past due payment. Further, my attorney has not received settlement payment, due by XXXX XXXX.It appears Citibank has not fully honored settlement agreement.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (FL)

well I have inquiries on my credit report that do not belong to me, there are 13 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I never had this insurance with XXXX XXXX. I initially requested a quote for a home purchase but the deal was cancelled and I never opened the policy as there was no need. I told this CCS company that I spoke to XXXX XXXX and they have no idea why this company is contacting me, in fact I currently have an auto policy with them in good standing. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2024-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I disputed charges made with my debit card to an XXXX account that is not mine. I disputed this with my bank and they " investigated '' it by asking XXXX to confirm the charges. XXXX told the bank the product was main to my address but I did not order the item and the item did not come to me. I disputed again and my bank still did not remove the charge. My bank which I banked with for 30 years says the charge is mine with out any evidence oif this nor have they provided me any evidence of this. I should have limited liability for fraud.
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-09-17
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: DISCOVER BANK (TX)

I have enrolled in and online class through XXXX in XXXX for 4 payment of {$170.00} each. Upon enrolling, I had an emergency with my dad and had to leave town and take care of my parents for 2 months, preventing me from ever accessing the class or using any of their services. They took 2 payments, and i tried to reach out to them to prevent the other 2 from going through my DISCOVER card but had no response. With nothing from XXXX, i disputed the last 2 charges from discover directly which was ruled in my favor. Only to find out a month later that those charges were reversed and now are on my balance. I've reached out to discover multiple times to further take care of this but nothing ever comes out of it but that they need proof that the class was cancelled. So i'm disputing 2 charges, each is {$170.00}.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.
Consumer complaint received 2023-03-27
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: ASSURANCE FINANCIAL GROUP, LLC (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX XXXX related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing XXXX related hardship. For purposes of this paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( XXXX ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( XXXX ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, I noticed three transactions on my account that I did not recognized. I contacted Capital One right away about it, I received a credit but a month later I noticed the same transactions on my card so I called them and they said that they were investigating the charges and to wait a few weeks, but a month later the charges were still in my account so today XX/XX/XXXX I called them again to find out the status and they just said that because the chip was use in the transactions that they will not refund my account, I tried talking to the manager to no avail.

I know that I didnt make these transactions and for them to let anyone use my account and not do anything about it, not even contacting me after the third transaction is unacceptable, also not refunding the money even though I have fraud protection on my account. I am a single mother with XXXX kids and I am trying to make ends meet, this is Capital Ones responsibility to make sure that my account is secure, and I know for a fact that the chip being used can not be an excuse because I have used my chip before and they did not approve the transaction until I approved it over my phone.
Consumer complaint received 2022-09-12
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: CITIBANK, N.A. (NC)

On XX/XX/XXXX I noticed a charge on my Citi Cards billing statement that I was unaware of. I called Citi Cards to inquire about the {$180.00} charge. Once on the phone with the representative she explained the charge was for XXXX XXXX. I explained that I was unaware of purchasing the plan and would like to dispute the charges. The representative told me that I needed contact XXXX. I called XXXX the next day due to it being a Sunday. While speaking to a representative of XXXX on XX/XX/XXXX I was told I purchased the program on XX/XX/XXXX. I explained that due to being unaware of having the plan, I had never used their services. I explained I wanted the plan cancelled immediately and I would like to be refunded all of my money from XX/XX/XXXX. The representative stated she was unaware of the method of how I purchased the plan but she would cancel the program that day and I would later be informed regarding the outcome of a total refund. On XX/XX/XXXX I received an email from Citi Cards stating my XXXX XXXX plan would cancel on XX/XX/XXXX. ( why a month later ) Approximately, two weeks later I received a letter in the mail from Citi Cards stating I purchased the plan XX/XX/XXXX ( contrasting dates of purchase ) however I am yet to been shown proof of how or if I'll be refunded for a purchase I did not approve. Also mysteriously, now that I have cancelled the plan, I just received my monthly credit card bill and my monthly bill has not decreased as I expected. My bill is the same amount it was last month. ( {$430.00} )
Consumer complaint received 2024-09-02
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. (IL)

I have been reaching out to Transunion consistently with written disputes about several Fraudulent accounts that continue to appear on my Transunion Consumer Report. Transunion ignores my disputes or rubber stamps them as VERIFIED. I have Police Reports attached with other evidence that supports my claims. Transunion is violating my federally protective rights and is breaking the law by continuing to allow these accounts & inquiries to remain on my consumer report. In response to Transunions Negligence, I have filed a civil suit against Transunion in the Federal Court System Case No. XXXX XXXX XXXX. 
These are the 4 Accounts that have been fraudulently added to my Transunion Consumer report : 1 ) XXXX XXXX XXXX {$3700.00} 2 ) XXXX {$0.00} 3 ) XXXX XXXX {$5700.00} 4 ) XXXX XXXX XXXX XXXX {$6700.00} 3 & 4 are double counted as the same debt, as XXXX XXXX bought the XXXX XXXX  Debt . 




Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-07-20
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. (LA)

i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
Consumer complaint received 2021-11-03
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: M&T BANK CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.