davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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. (AZ)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/2020 XXXX with : Transunion
Consumer complaint received 2022-09-21
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. (LA)

Equifax/Equifax credit bureau is send pre-typed letter that is not irrelevant to my issue. They also sent two letters to an unknown person further proving the responses are automated. I keep receiving the same response for every complaint I submit.
Consumer complaint received 2022-02-08
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I financed a vehicle in XXXX XXXX with my kids dad and it became abusive and he ended up going to jail and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is Westlake financial and balance was updated XXXX XXXX.when I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted XXXX and they not doing anything
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX. 2022 I requested a copy of my Experian credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

On XX/XX/2022, XXXXXXXX XXXX paid Discover electronically {$1300.00} for a balance transfer that I requested. I provided documents to Discover to show XXXX XXXX  paid them. Four months later, Discover has yet removed the {$1300.00} from my account. So I am being overcharged in credit fees of {$1300.00}.
Consumer complaint received 2022-09-21
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. (AL)

In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records convictions of crimes which antedates the e report by more than seven years. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

I called Mohela about my parent plus loans to see about loan forgiveness status put on hold sent to representative XXXX asked if my loan had to be consolidated to qualify. She said yes and asked some questions told me it would cost {$790.00} to do this. Said I needed 2 weeks paystubs and XXXX form. Had me go to my FSAide acct change my password so they could do the paperwork. I faxed forms they asked and have heard nothing. I tried to call the number see gave me if I had questions. It is no longer in service. I called Mohela today when I got a letter stating they were carrier of loans and need to start repaying XX/XX/23. I'm think why is it showing 3 loans and no consolidation. Representative said we don't charge and have no record of you being transferred. I said I was and what transpired. She told me to call XXXX to see if they had can acct for me to see if legit or scam. They said can see they are processing consolidations buy not my server and couldn't help me about the fee charged. I was told should not of been charged. My bank statement says XXXX XXXX {$790.00}. I am going to call then tomorrow about who took money if they have address or number. I was told to report here and change my fsaid password. I still need to call student.gov to report this also. I can't afford to lose {$790.00}.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.
Consumer complaint received 2021-01-22
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: Early Warning Services, LLC (FL)

XXXX  XXXX XXXX closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (WI)

An account was approved and opened with Wells Fargo in my name on Wednesday XX/XX/year>. I received an email notifying that the account was approved but I disregarded this as junk mail due to my XXXX email account constantly receiving spam. On Monday XX/XX/XXXX I received a debit card in the mail with my name on the card showing " XXXX XXXX ' and XXXX XXXX XXXX '. I did not open this account and I called Wells Fargo 's Fraud department on MondaXXXX XX/XX/year> to have the account blocked and make a claim for identity theft. A claim was filed on XX/XX/year> and the accounts are blocked from making or receiving any financial transactions.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I send {$2000.00} thought XXXX to my coworker on XX/XX/year>. After XXXX months i see it post the name XXXX XXXX and i didnt know thats my coworkers XXXX name. I call bank to tell them i dont recognize the transaction and requested to dispute the charge. The next day i back to work and my coworker ask me why i charge it back then i knew thats his XXXX name. Then i called capital one bank and told them Im really sorry about the mistake i made and ask them to cancel the dispute claim case. But on XX/XX/year> capital one bank charge money back from XXXX XXXX XXXX checking account and money never back to my account. I contact capital one and agent told me money was in XXXX bank account. XXXX and me went to capital one bank and XXXX showed his bank statement to banker. And banker checked my bank account and told me money is not in my account and she also called capital one agent to tell the detail. Then capital one request me to reach to chase and i went to XXXX XXXX with XXXX. They have statement shows capital one charge back {$2000.00} already but capital one still told me money is in XXXX account. I contact agent many times before and they told me someone will contact me bank for update but no one contact me back and no one take care the case.i know this charge was too long time ago but its because capital one agent always said they will take care the case and keep asking me to wait. Please give me a help. Appreciate it. Thank you so much
Consumer complaint received 2024-09-09
Product: Credit 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 (WI)

This complaint is related to my previous complaint, ID : XXXX. I have already closed my dispute with XXXX. I currently had to re-open a dispute with Capital One, they wrongly ruled in favor of the scam company and never contacted me for evidence. I called Capital One and had them email me their secure link to upload documents of my evidence. I tried multiple times to submit and every time it brings me to a page that says failure to upload documents. I followed every guideline for document formats and tried XXXX different web browsers but I keep getting the error page. I tried contacting Capital One and was transferred XXXX times and each person was incompetent about the Issue. The best they could do was send me a new link, which didn't work either.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WY)

XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX  and they sent me a letter stating that I never missed a payment and was never late, Equifax and XXXX are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent Equifax and XXXX this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Consumer complaint received 2022-09-21
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. (AL)

In accordance with the fair credit reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records convictions of crimes which antedates the e report by more than seven years. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I never had a bad experience with other dealers to purchase a car. 
I came to XXXX XXXX XXXXXXXX XXXX  in XXXX, IL to buy a new car. 
The salesperson lied to me that the dealership doesnt have the new cars. I bought the used car XXXX XXXX, giving deposit {$5000.00}. 
After XXXX day of purchasing of used car XXXX XXXX XXXX I came back to return the car and get the new one because they had the new cars in stock. The salesman took the used car in trade-in on {$5700.00} less that it cost XXXX day ago, it's less than 24 hours from purchase the car. The value of the car was {$32000.00}, on the next day the dealer took this car in trade-in for {$27000.00}, difference in trade-in {$5700.00} and didn't return or transfer the deposit {$5000.00} to the next installment contract. 
It's terrible, it's fraud. Also he added XXXX XXXX XXXX for {$990.00} in buyer 's contract and didn't return this amount in the next installment but added again {$990.00} XXXX XXXX. XXXX. 
For what protection/warranty it worked XXXX day? 

I got the new XXXX XXXX XXXX for base selling price {$35000.00}, they added to my retail installment contract difference in trade-in {$4900.00} plus XXXX XXXX XXXX XXXX {$990.00} again. 
In the meantime Accident happened on XX/XX/XXXX with the car XXXX XXXX XXXX. 
The car determined is total loss. The damage to the vehicle exceeded the repairability threshold. The damage estimate is {$28000.00}. 
The dealer XXXX XXXX XXXX refused to return the amount on Protection Packages and the difference {$4900.00} value on the previous XXXX XXXX XXXX. After insurance will paid off by settlement I'll still have the loan balance and I don't have the car anymore. 
I paid already 12 % of the loan, it's {$5300.00}, my deposit {$5000.00} didn't return and I still should to pay the loan balance? 
Why should I pay for a car that doesn't exist anymore? 
Please resolve this issues with the XXXX XXXX dealer in XXXX, IL because they didn't want to return nothing from previous cars. This is fraud and robbery from the XXXX XXXX XXXX.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (CA)

On XX/XX/XXXX, a summons was left at my door saying I am being sued by Calvary SPV 1, LLC, represented by XXXX XXXX XXXX for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to XXXX XXXX XXXX and the court. I then received a false response by XXXX XXXX XXXX dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, XXXX XXXX XXXX sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.
Consumer complaint received 2022-09-12
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-05
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)

It has been drawn out into the open that you are not hindering records 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 lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I do not recognize nor have any knowledge of this Collection Bureau of {$180.00} on my credit report. I have not received any validation of a signature for this alleged debt. 

Also, it is reporting as an open account, an ( alleged ) collection can not be an open account, therefore is reporting inaccurate Also, as of XXXX XXXX any medical debt of {$500.00} or below it MUST be deleted off of credit report, this is NOT AN OPTION! 

this is added unnecessary stress to me and has decreased my credit score