davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
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)

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, Capital XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FREEDOM FINANCIAL NETWORK (NY)

Freedom debt relief did not get permission to settle a XXXX XXXX XXXX  account for me. I called freedom debt relief and sent numerous letters to to them their services were not wanted due to the unprofessional representation. I never consented to any settlement on XXXX XXXX or any credit cards and I do intend to file criminal charges for falsely making a settlement with my consent.
Consumer complaint received 2020-12-01
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. (IL)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2022-12-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all XXXX agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection!

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 1681c. ( 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 of convictions of crimes which antedates the report by more than seven years.

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 2022-07-03
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)

n accordance with the fair credit reporting act XXXX 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX3 ) XXXX XXXX # XXXX, 4 ) XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-03
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. (OH)

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 Account # XXXX, has violated my rights. 
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 1681c. ( 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 of convictions of crimes which antedates the report by more than seven years.

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 2022-12-14
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)

On XX/XX/XXXX I received a hard inquiry on my credit report from XXXX CO XXXX 

I have called the XXXX XXXX  twice to report fraud. I spoke with XXXX on the 1st call and the 2nd I spoke with XXXX. Both times they said they could not find nor verify the inquiry and both times they agreed to send communications to all the credit agencies to get this fraud inquiry removed immediately via electronic communication. 
I called and spoke with XXXX in the specialty fraud department at TransUnion. He was extremely rude and ask had I filed a report with CFPB and told him yes. I also told him there has been a " Fraud Freeze '' on my account since XXXX and that NO one can pull my credit or open an account without verification. I have also frozen all information on XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX at TransUnion still was not willing to work with me on the removal of this fraudulent inquiry. I take my credit seriously and want this OFF my credit report as soon as possible. 
These credit reporting agencies are NOT Government Agencies! They are for profit. Their profit comes from banks & lending institutions to keep your score low as possible so they can sell your information to subprime/High-Interest lenders. BEWARE and fight for your credit!
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

15 U.S.C 1681 section 602 A. Statesl 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 1681c. ( 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 infornmation, other than records of convictions of crimes which antedates the report by more than seven years.

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. 




I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.
Consumer complaint received 2022-04-13
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. (NJ)

I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2020-12-01
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. (IL)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (IL)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if Capital Management Services , LP has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received a call from a collections agency on XX/XX/2021 stating I owe {$2400.00} in late fees and interest from a payday loan from AceCashExpress on XX/XX/2021 which the original payday loan was for {$940.00} ( # XXXX ) I was first told it was done online then in person at a store front at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never lived let alone took out a loan with AceCashExpress or any payday loan company. Never received any Mail notification because the person who used my info gave a false address. Not sure how my number was obtained either after 8 months from the initial loan. Again, I never took out this loan and my personal info has been compromised.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Onity Group Inc. (CA)

I have my mortgage open with XXXX XXXX initially then the mortgage got sold to XXXX XXXX then XXXX being sold it there was a mess up for for updating my payment schedule from one bank in another meanwhile I was trying to reach out to the bankers I was getting transferred to different lenders during that time I was in a car accident so I had hardship with my income called Ocwen bank and requested the loan modification their team told me dont way you would qualify as you need to be behind on your mortgage and then I follow their instructions I offered to make a full because I was getting lettuce that I was behind the case manager told me if you make the payment you will not qualify for a loan modification so come to find out they denied my loan modification and they wanted me to pay all the past two payments while I was in a hardship due to my car accident I asked him to why are you not helping me the answer was that you called and I spoke to someone else and offered to make payments so for that reason we can not do loan modification for you and now your credit its gotten so bad were unable to help you so were gon na have to either foreclose your house or you just Got ta make big payments to get caught up and at that time I had no choice but save my family my kids to stay in the house meanwhile I had sent them several letters to remove the leads of my mortgage they refused to do so they offered if I paid him {$2000.00} for one of their credit repair people then they can remove the late which I thought it was completely legal I believe Ocwen bank Its completely fraud themselves meanwhile the room my credit and I need help I am trying to buy a house right now and theyre late payment on my credit stopping to move forward with my life please help thank you
Consumer complaint received 2022-06-23
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: SYNCHRONY FINANCIAL (TX)

This involves a XXXX issued by Synchrony Financial in XXXX. 

I have been charged for an intangible called card security every month since the opening of the account. I did not authorize this. 

The account has been on auto pay and my account is in good standing. I have not seen a statement. Until XX/XX/2022, I discovered this fraudulent charge ( s ) on my account and with the help of one of their account managers, I was informed by them that the monthly charges from the beginning of time have amounted to {$1800.00} I have a fraud claim in process with the company, and I have a reference number. 

The interst on the charges is in excess of XXXX. Additionally, my current balance with this XXXX is {$3100.00} or higher. 



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Consumer complaint received 2021-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-12-01
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. (GA)

Experian is still reporting a late payment for XXXX in the Account Summary of my credit profile ; however this has been corrected on TransUnion, and it had to come from XXXX, so why is Experian talking about they are still working the issue. I in the process of buying a house and will held account for the negative information display which is not correct. 

Please see attachment from XXXX as well.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I paid a collection account in full to XXXX XXXX XXXX XXXX in the amount of {$1600.00} on XX/XX/2020. The account is still listed on my credit report under collections & does not reflect paid as agreed. I contacted XXXX to ask that it be removed & they would not comply. I have also disputed the information with Experian & provided proof, but it was not updated.
Consumer complaint received 2022-06-23
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recheck, Inc (KS)

In accordance with the Fair Credit Reporting act RECHECK & XXXX 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