davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc. (PA)

I was in the market to renovate my bathroom, and believed that I made the right choice at the time when selecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, NJ XXXX Ph : XXXX or XXXX a/k/a Aqua Finance to help me. It was done in XX/XX/XXXX. The problems are as follows : 1 ) I asked about the high interest rate of the loan ( $ XXXX ) ;  and why did it look like my balance was not going down. This is all new to me, and I never knew they could short-change consumers with not telling the entire story ( predatory lender ). I called several times, and they alwas blew me off. UPDATE : when searching for XXXX XXXX  on XXXX, it is now out of business. 

2 ) Aqua Finance is the same-they also have same loan and refuses to discuss why/how the amount never seems to change although payments were being made. Again, emails sent ( on their site and they refuse to answer forthright to my concerns ). 

Then to my horror, in XXXX XXXX, we had to get our kitchen ceiling attended to because it looked like it was about to fall any minute. I noticed it slightly, but never knew why. The contractor who has nothing to gain in lying to me, asked me to come downstairs and he pulled out ALL of the cement/debris the contractors stashed in my ceiling! So, not only did I have to pay to repair the ceiling, but also to properly have debris properly disposed of-which was supposed to have been taken away. It was paid for in this loan. 

Now, to date, they refuse to address why they feel no need to care about the out-of-pocket expenses that I have to deal with through no fault of my own. They were rude and abrupt saying " we have nothing to do with it and there is nothing we can do. '' The last time I spoke with them was prior to Covid-19 pandemic, and have not made any further payments because I feel was wronged, and have no need to make this up. 

Solution : My relief should come by way of cutting the loan in half, including interest rate for the fraudulent/shady practices that adversely affect me to this day.
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my XXXX and TRANSUNION Credit Reports : XXXX : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Transunion : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-28
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. (GA)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XXXX INT XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

For years the account was reported at a higher amount than the actual amount by the credit reporting agency 's. Its now Paid in full and is being reported as both paid in full and as a write off Legally Per the FCRA a item can not both the Account XXXX is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (ME)

In XXXX I bought a vehicle from XXXX of XXXX, it was a XXXX XXXX XXXX, the dealership signed me up for automatic payments through a company called XXXX XXXX, before any payments were ever made through that company I read up on them, saw nothing but bad customer service and support reviews ad well as lots of people claiming fraud and such, so I called them had eye witnesses in the vehicle when I called stating I was canceling the account with them and paying my finance company directly, they gave me attitude but still agreed to close it, since my very first payment was due I always paid my finance company directly, then this month XX/XX/XXXX I get a collection on my credit report from security credit systems on my report stating it was opened on XX/XX/XXXX which makes no sense when especially never received any form of notice from anyone about this which is a violation of the fair credit reporting act and fair debt collecting practices, the collection states its for {$590.00} well for starters my monthly payment for my vehicle through my finance company was only {$580.00} a month not {$590.00}, upon me calling the collection company known as security credit systems about violating the law and the fair debt collecting practices and the fair credit reporting act they continued hung up on me, I kept calling back getting angrier and angrier as they continued to hang up me, finally the XXXX who answered the phone and kept hanging up on me said she would get someone else to talk to me, she put the phone down on her desk and I could hear her talking to other people in the office, I could hear all of them XXXX and complaining how they didnt wan na talk to me so she came back over didnt say a word and hung up the phone again, they refused any commit about no 30 day notice, no validating of the debt as well as all refusing to talk to me about it and just hanging up on me, the account in question is fraudulent cause it was closed before ever used, also upon this being done found evidence of attempted theft by autopay plus trying to take 2 different charges of two different amounts from my bank account, 1. For {$600.00} on XX/XX/XXXX then another 2nd. Attempted charge of {$630.00} on XX/XX/XXXX, both were attempted fraudulent charges of theft seeing as neither of those 2 charges were my monthly also the collection wasnt even my monthly car payment, also account was closed before they attempted these charges that they sent to a collection company called security credit systems who are violating the fair credit reporting act and fair debt collecting practices by refusing to comment, talk to me, validate the debt, or even send me any form of notice, and the fact that the original creditor tried charging multiple fraudulent attempted charges of theft when account with them was closed and was paying my finance company directly and at a different price than any of these charges or anything were.
Consumer complaint received 2022-07-29
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. (TX)

I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 



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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-26
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)

ftc violations : enclosed and stated all violations listed XXXX XXXX   {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} florida XXXX XXXX {$59.00} {$33000.00} XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY XXXX  XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  CARD Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Consumer complaint received 2020-05-26
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. (GA)

For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

My bank called me and told me that my Zelle account was hacked and I had to reimburse myself. The money was then sent not to me but to someone else. 
XX/XX/22 {$1000.00} then {$500.00} = {$1500.00} Same number as my financial institution. My bank said they could do nothing it was an external account. But its linked to my bank and offered through my bank. 

I have attached screen shots of the number and the Zelle account and one transaction that did not go through properly that shows my own name not the hackers. Also, several emails from my bank showing the differences in names. The names were switched somehow to the hackers.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the fair credit reporting act XXXX  account # 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 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Here are three entries on my credit report that I received a notification they were being deleted. The first date is the date I received the removal notification. All three of these accounts have magically appeared back on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the date on this account is XX/XX/XXXX - isn't that too old to be on a report?
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2022-09-10
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. (IL)

XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 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 2022-04-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Bank XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

My XXXX XXXX credit card has been closed since XX/XX/2020 with no outstanding balance. After my credit card has been closed XXXX started to charge some kind of interest fees on a XXXX dollar balance and then started to charge late fees and additional fees. Now it has reported all this information to the credit history.