davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Predatory Lending and illegal repossession I purchased a car from XXXX XXXX XXXX and was financed by XXXX XXXX XXXX on XX/XX/XXXX for {$7100.00} after fees it came to {$7500.00}. The car was damaged in an out accident on XX/XX/XXXX and was towed to XXXX & XXXX wrecker. Since this was during the high of XXXX it was taking longer than usual. On XX/XX/XXXX I continued to make car payment. On XX/XX/XXXX XXXX XXXX XXXX repossessed the car 14 day after I made payment. They sent a letter stating I didn't keep my end of the deal and the care will be sold on XX/XX/XXXX. I called and they were demanding {$1300.00} or {$9000.00} to pay the car off. This was more then I borrowed. The only answer you can get from them is " It's our car we can do what we want. '' Your disconnected when ask for a manager. They changed the amount that I borrowed. Never applied any of the extra payments towards the principal. Illegally repossessed my car that was in good payment status. Sold the car to salvage preventing me from getting a insurance repair or payout. Sent me a contact via email that only prints blacked out. And put a Charge off on my Credit. This company has wronged me and don't even car. Every agency I write to in Georgia they tell them they are protecting their interest. But if Im paying the car not haven't I protected their and my interest? Preventing me from getting a insurance payout or repair is unjustifing me. 


This company has ruined my credit for no reason. Caused me a tremendous amount of stress and pain. Caused me to lose an insurance settlement for no reason. This company is doing this to thousands of people. I found out they settled a class action lawsuit in California for the same thing and now their in Georgia doing the same thing, Please help me. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting 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)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand XXXX the XXXX XXXX be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Consumer complaint received 2023-06-21
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. (AR)

I am submitting this complaint for you to inform that I was a victim of identity theft. I am not responsible for this account. Please provide all verifiable documents only from the original creditor, if not please remove them. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap. Per Fair Credit Reporting Act Section 605B you are required to remove undistinguished items on my credit report. These items seems inaccurate so remove these all from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (TX)

According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.
Consumer complaint received 2020-08-08
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. (GA)

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Equifax and they declined to assist me with this issue. My understanding about Equifax reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

Discover Card was opened in my name. I noticed that an account was reported on my credit report. When I called, they said my card was closed due the fact that they were trying to reach me to verify my identity and I did not respond or could not be reached. I explained it was not my account.
Consumer complaint received 2020-08-08
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Visa  Account # XXXX XXXX XXXX XXXX exp XX/XX/XXXX cvc XXXX THey reported a 30 day late when I was not. They offered a COVID-19 plan due to circumstances where you don't have to pay for 2 months. 

THey did NOT lower the interest rate which I also requested. It is a high APR. 
I still am making payments. I had to reapply for the Covid-19 plan again because they reported a late for the 2 months I did not have a pmt as part of the agreement. 

I would like the late for XXXX and XXXX removed.
Consumer complaint received 2020-08-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
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 XXXX XXXXXXXX, 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. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute for fraudulent accounts on my credit report to transunion XX/XX/2022 As of today XX/XX/2022 I have not heard anything as to what they are investigating or if they are even trying to resolve the issue. From what i understand they have up to 30 days to complete investigation and it has been 33 days as of today. This is not the first time they have done this but I have no other choice but to now submit a complaint for improper investigation into what they have reporting on my credit file. I would like for these fraudulent accounts removed form their reporting standards.This is hurting me and my family
Consumer complaint received 2022-07-17
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)

They are charging me for equipment that own, all the equipment is locked to them, items dropped off at there facility and they've written off the account In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  ( Original Creditor : XXXX XXXX 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
Consumer complaint received 2022-04-25
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX 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 2020-09-05
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: Persolve, LLC - Legal - Series 2 (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We refinanced our home XX/XX/XXXX and our loan server changed. We have an inpound account. Our mortgage payment was reduced from {$2800.00} to {$2200.00}. In XX/XX/XXXX our new lender advised that our impound account was short and that our new mortgage payment would be {$2800.00}. I paid the shortage of {$3900.00} and my mortgage was reduced to {$2500.00}. At that time I contacted the county assessors office and it was determined that our lender was using a falsly inflated property value resulting in the raise in property taxes and a subsequent increase in my monthly mortgage of over {$600.00}. I submitted the county roll and figures for the lender to review in XXXX after contacting them by phone. I was reassured someone would call me back within 5 business days. After 2 weeks I called again and used the reference # provided. They had no record of this and I was again reassured it was being forwarded to someone to review again. XX/XX/XXXX, I called back due to no reply and was assured my dispute/issue was being expediated and I would hear back in 3-5 business days. I recieved no contact until the XX/XX/XXXX email, wherein I was told they were still working on the issue and again I would hear from them via an email. I called XXXX and XXXX and was greeted by a recorded voice stating that they were experiencing high call volume and to call back later. You are then disconnnected. I sent an email to the customer service person with whom I last spoke and to whom I submitted the county assessors office tax record for my property for their review. To date I have had no reply and no indications from the website that anything had changed. I paid my mortgage on time and at the inflated amount. We refinanced because we needed to lower our monthly payments. It is not okay to be denied information or ignored by this lender. What recourse do I have? Isn't this illegal? Can you help us?
Consumer complaint received 2020-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (FL)

On XXXX XXXX, I wsa notified by my XXXX XXXX app I ad a debt collection reported on my XXXX. Upon checking my credit report on XXXX, I noted a debt reported from XXXX XXXX XXXX. I XXXX  that information and found it belong to XXXX XXXX XXXX XXXX XXXX XXXX. I called multiple times and on Wednesday XXXX XXXX I was able to speak with a collection manager there. She stated they sent a medical bill out multiple times to an address in XXXX XXXX, FL. I told her that is an old address, and that my most recent receipt of co-payment of {$5.00} on XXXX XXXX receipt # XXXX reflected my current XXXX, FL address, so I was confused as to why she would then send a bill in XX/XX/XXXX of XXXX to the wrong and old address in XXXX XXXX, FL. She was apologetic, and stated they turned it over in XXXX, XXXX less than XXXX later to a collection agency named " Credit collections USA '' and gave me there number. She wrote an email explaining the error of address to them as well. I called Credit Coll USA this morning XXXX XXXX, and initially they are refusing to delete the debt. I notified them I had not recieved correspondence of my consumer rights nor an itemized bill from them or the dental school as a result of the wrong address so the collections was incorrectly reported and Id like it removed. The collections company then stated I could pay in full the debt today and they will remove it 30 days later, but are refusing to provide me a written agreement of that. I reaced out to a lawyer who suggest I file HIPPA against XXXX XXXX XXXX, and write a consumer complaint against the collection agency for incorrectly reported debt, failure to provide me with a statement of consumer rights, failure to correctly contact about debt, HIPPA violation, failure to supply with itemized bill to prove debt is mine, and failure to provide written agreement and false promises to remove debt.
Consumer complaint received 2020-09-05
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. (FL)

call transunion bout inquiries on my report that didnt authorize car dealership gave inquiries when didnt need a vechile try to resolve it tell them it not me had fraud against they were several inquiries on XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX also XX/XX/20
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (TN)

Sent in a method of verification letter to Experian to verify a bankruptcy on my credit report and they received it but failed to notify me of the method they used to verify that the bankruptcy belongs to me. The only update with the dispute was that it remains. I want to know who did they verify that information with.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (AL)

Experian : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. Experian XXXX XX/XX/XXXX XXXX : 1. XXXX Bank. XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XX/XX/XXXX XXXX : 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX Bank XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 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
Consumer complaint received 2022-07-14
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Maximus Federal Services, Inc. (CA)

In the fall of 2012, I took out private XXXX loans through XXXX ( now Aidvantage ) to attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to get a XXXX XXXX that would allow me to XXXX XXXXXXXX XXXX. My credit was not very good, so I had to ask my father if he would cosign with me, which he agreed to. XXXX loan was an unsubsidized direct loan for {$20000.00}. The other was a XXXX XXXX XXXX loan for {$10000.00}. 
After successfully completing XXXX year of XXXX school, I was informed that I was not eligible to take out further loans that would allow me to finish a XXXX year XXXX program, leaving me with {$30000.00} in debt and nothing to show for it. 
I dont understand why I was allowed to take out the initial loan if I wasnt going to be able to at least have the chance to finish and pursue the education career that I had intended. 
This experience has left me completely jaded towards the US education and loan system.
Consumer complaint received 2023-06-21
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. (MN)

The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for XXXX XXXX XXXX, Equifax, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' XXXX XXXX XXXX never informed me of my right to opt-out of information sharing. 

Equifax and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of XXXX XXXX XXXX reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.