davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (TX)

During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes.

After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.
Consumer complaint received 2023-07-18
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. (PA)

I noticed accounts and inquiries that are inaccurate on my consumer report. Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company have infringed upon my rights.

Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy. Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my
Consumer complaint received 2022-04-27
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: Self Financial Inc. (PA)

Self closed my account XXXX.bal was XXXXXXXX bal XXXX plus {$15.00} late charge for the next fours monthsXX/XX/XXXX report 90 days late 2 days later report 120 late.
Consumer complaint received 2023-07-18
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-18
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. (NY)

It is Information on my credit report is incorrect, these are the accounts. 
Account name=XXXX XXXX Bank Account number XXXX. 
Account name=XXXX XXXX Account number XXXX Account name=XXXX Account number XXXX Account name=XXXXAccount number XXXX. 

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-17
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. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXXXXXX XXXX On XX/XX/2015 it was a buy here pay here lot XXXX XXXX was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
Consumer complaint received 2023-07-18
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-18
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. (AL)

I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - XXXX Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.
Consumer complaint received 2023-07-18
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX and Account # XXXX Account name : XXXX XXXX Co XXXX and Account # XXXX Account name : The XXXX XXXX XXXX and Account # XXXX Account name : XXXXXXXX XXXX and account # XXXX Account name : XXXX XXXX  and Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-22
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. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY ()

I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the Priority Pass benefit. I have encountered a critical technical issue with the registration of my Priority Pass, and despite opening two separate cases with Amex in the last three weeks, I have yet to receive a satisfactory resolution to this matter. 

The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 3 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the Priority Pass. 

When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Harbor Legal Group, LLC (FL)

I enrolled and availed in the debt consolidation program with the Harbor Legal Group and XXXX XXXX XXXX ( XXXX ) last XX/XX/XXXX and they started deducting from my checking acct XX/XX/XXXX, initial payment was {$200.00} breakdown of this amount ( {$55.00} goes to savings, $ XXXX-Retainer 's Fee ; {$27.00} Admin Fee ( {$55.00} Mo 1-9 ) ; $ XXXX Service Fee ) and XX/XX/XXXX deduction from my checking acct was {$200.00} same breakdown. Then from XX/XX/XXXX to XXXX/XXXX/XXXX amount deducted from my acct was {$170.00}, then XX/XX/XXXX to XX/XX/XXXX amount deducted was {$190.00}, then from XX/XX/XXXX to XX/XX/XXXX amount deducted from my checking acct was {$170.00}. For more than 3 years there were 3 credit card companies only that were settled out of 6 credit card companies that I have a balance with. Upon enrollment in the program I had a Total amount of debt {$21000.00}, they gave me an estimated amount settlements which was {$8800.00}. Service cost percentage was 12 % ; Estimated Total Fees and Settlements was {$14.00}, XXXX. From XX/XX/XXXX to XX/XX/XXXX the total amt deducted from my checking acct was {$12000.00} from this amount the total amount paid to the 3 credit cards was {$4800.00} for that more than 3 yr period. Total amount paid to Harbor/XXXX  was {$7700.00}. At present, I still have 3 credit cards unpaid/to be settled, I have no choice so I opted to extend the program so those 3 remaining credit cards be settled. As of now, I still have money with them amounting to {$1300.00}. I was informed that one of my credit card I owed more than 1K only, I suggested to them to settle the credit card with that balance since I have enough with them to pay it off, but I was informed that the negotiator wanted to settle the other credit card first, which I owed more than 5K. I've been following up with them about my suggestion to settle the lesser amount first but I was only informed that they will get in touch with the negotiator to call me. I followed up with them twice already but negotiator hasn't called me yet. This is the reason why I decided to get help from you, because I believe that they are taking advantage from me. In the first few days, weeks and months with my enrollment in the said Consolidator they've been updating me but after 6 months to 1 year they rarely call or update me. This matter makes me anxious, stressful and I had sleepless nights. I wanted to settle all my credit cards or pay all my debts with those Companies. I have the necessary documents that justifies all the numbers that I mentioned in this complaint I can submit it to you when needed.
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received a prepaid AMEX gift card from my employer a few years back. I want to use it now since the expiration date is within a few months. 

However, this virtual card was declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I called AMEX customer service and they could not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (OH)

I was impacted by XXXX and couldnt pay my car loan payment. The car was repossessed and auctioned. I was told that the amount the car was sold for at auction would be applied to the balance I owed but that didnt happen. The account went to collections for {$4000.00} more than what the original price of the car. Also, I had gap insurance that paid the loan company in addition to the money gained through them auctioning the car.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Why does your payment link for loan XXXX say that there is no payment due? You advertise a payment can be made online. But thats a lie because it says no balance due.
Consumer complaint received 2023-11-01
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. (TX)

I disputed payments history on my Experian credit report for my payments was not being updated, that was for an auto loan installment account. Experian removed the account all together hence my credit score as a result. I contacted them to ask about the reseaon why it was removed and they answered the acount is no longer available and they can't give me information. I contacted my financing agency which reports my payments and they said they have been reporting my payments monthly. Financing agency reached out to Experian and told me that the account will be added back and updated the next time a payment is reported. It has been four months that I'm waiting for my score to be back.
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC (OK)

On XXXX, I went into State Finance in XXXX to get a loan. I was approved for {$500.00} and the payoff was around {$750.00} or so. I got into a bind due to court with my ex and other life events happening, but I told them of my circumstances and why I haven't been able to pay. At times I have told them I could pay a portion or half, and they would NOT accept it. They said I could not pay that, that I would have to pay it ALL. 
XXXX, whom I was speaking to, told me she saw on my XXXX  that I had been going to concerts and traveling, so " what am I doing with all of my money? '' and I " should be able to pay ''. Much more came from her, but that was what I was seriously stuck on... 
First off, she is not on my XXXX, so she is quite literally stalking me at this point. 
Secondly, I didn't pay for any of that. I have amazing friends who knew I was going through a rough time and needed a break. 
I asked to speak to her manager and told her that that was extremely unprofessional and to never let her speak to me again. I absolutely refuse to speak to someone who thinks its okay to speak on her assumptions about me and my life when it is supposed to be a professional conversation. The manager said she would " talk to her about it ''.

Well here I am, again being harassed, but this time my co-workers are getting call after call by them. They told a co-worker of mine ( who isn't a manager ) that she needs to speak to HR about garnishing my wages. 

Online payments can be taken at any amount over XXXX XXXX, so I am not sure why they are telling me rudely that they can not accept partial payments. It seems weird that a loan company would deny taking my money. 

I don't believe this is normal for a loan company to be acting this way. Do they normally tell all of your business to random strangers on the phone? 
I have honestly never dealt with a loan company so extremely unprofessional & trashy in my life I am late {$200.00}. All of the harassment, rudeness, and stalking over {$200.00}.
Consumer complaint received 2023-11-01
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: AMERICAN EXPRESS COMPANY (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.