davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of.

Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and Transunion, XXXX, and XXXX, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

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.

The letters are stated with items and issues.

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 2022-09-22
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

Completed a mortgage refi with current lender. After closing lender called asking for updated loss payee 1 additional day due to loss payee effective date was 1 day after closing. Lender did not contact insurance agent. Agent was called and updated requested. Lender force placed coverage for 1 day at {$5.00} and did not issue credit. the insurance was always in effect with no claims or losses and error was lenders. Lender has now modified payment to recover coverage. 

Insurance has been in pace for 10 years with the same coverage. Double coverage is abuse of the consumer and basic common sense would dictate that obtaining coverage for a lender error to cover nothing is predatory. I insist the {$5.00} be credited and adjustments made
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (MO)

Someone stole my identity and took a fraudulent loan in my name thru AVIO CREDIT on XXXX XX/XX/2022. I found out on XXXX XX/XX/2022. I pulled my credit report on XXXX XX/XX/2022 and confirmed a loan in the amount of {$3000.00}. I contacted AVIO CREDIT on XXXX XX/XX/2022 and they confirmed this loan was fraudulent and granted thru SPEEDY CASH. On XXXX XX/XX/2022 I received a past due notice for a Loan from the same company, AVIO CREDIT, this time for a loan with a different Loan Number. I contacted AVIO CRECIT Customer support, and they told me to contact AVIO CREDIT Fraud Department. I called AVIO CREDIT Fraud Department, and they were closed. I tried sending faxes to AVIO CREDIT Fraud Department and the AVIO CREDIT Past Due Account Help, but their fax numbers listed on their website are not working and out of service. It has been over 90 days since I resolved this issue with AVIO CREDIT, and they continue sending me past due bills and harassing me to pay a loan that is not mine.
Consumer complaint received 2024-10-28
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. (SC)

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to XXXX asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I received two notices from Bank of America saying my applications for the XXXX XXXX XXXX XXXX card and the XXXX XXXX XXXX XXXX card were denied. I did not apply for either of these cards.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I bought my leased vehicle from XXXX XXXX in XX/XX/2022. They sent me the title in XX/XX/2022 with the wrong mileage written on the back. They more than doubled the mileage that was on the car and what was written on the odometer disclosure statement originally submitted to them with the car payoff. I immediately contacted them to make them aware that they wrote the wrong mileage and they were supposed to send me a notarized affidavit of correction and a notarized NJ XXXX odometer disclosure statement so I can title and register the car in my name as required by NJ XXXX. They sent me XXXX XXXX, again with the wrong mileage! I have spoken to numerous agents and supervisors. No one seems to know what they are doing. I have spent over XXXX hours on the phone fighting with them for what is rightfully mine since XXXX!! I have a new car loan with Bank XXXX XXXX and they are hounding me for the title since they are the lienholder. I have a car sitting here that I paid for that I can't register in my name and the current registration is expiring at the end of the year. This is unacceptable from a huge corporation. I never expected this to be such a hassle. There are hundreds of complaints against them on the Internet for titling issues.
Consumer complaint received 2023-04-04
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. (NY)

I placed an online credit dispute with Experian credit bureau on XX/XX/XXXX, to inquire about the following student loan accounts below ( listed by date opened and the original loan amount ). 

Date Opened Original Amount XX/XX/XXXX {$8500.00} XX/XX/XXXX {$8500.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$8700.00} XX/XX/XXXX {$6600.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$110000.00} XX/XX/XXXX {$6100.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$31000.00} On XX/XX/XXXX, Experian responded via the Experian website and stated the information was accurate. However, XXXX and XXXX have different, more positive information which is reflected in score differentials over the past 6 months. 

On XX/XX/XXXX, I sent Experian XXXX XXXX a letter ( Certified Mail Receipt Tracking # XXXX XXXX XXXX XXXX XXXX ) inquiring as to why their credit bureau is the only one negatively reporting my paid/ closed student loan accounts. As a first-time home buyer, this is negatively affecting my personal credit and ability to be taken seriously when inquiring about home ownership. 

I told Experian credit bureau to investigate every piece of information on the paid/ closed student loan accounts I have listed below. 

According to FCRA, 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. 15 U.S. Code 1681 Today ( XX/XX/XXXX ) I received an Experian credit report via US mail. just All accounts state paid/ closed on the account. Experian stated my account was verified. I am questioning the validity of the agencys proper investigations according to the law. 

Also, this information on these accounts is still negatively reported only by Experian. And according to FRCA15 USC 1681, all information reported should be investigated to the fullest meaning of the definition to ensure all credit bureaus are reporting the same fair information to assist first-time home buyers.
Consumer complaint received 2022-12-16
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. (IL)

Hello. This is not filed by a XXXX XXXX or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts.

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX/XXXX  - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc. (GA)

THIS IS NOT A DUPLICATE COMPLAINT. DUE TO ID THEFT/FRAUD WE ACCOUNT WAS NOT VALIDATED BY US.I DID SPEAK TO A REPRESENTATIVE PREVIOUSLY AND THERE WAS PAYMENT OF THIS ACCOUNT AFTER XX/XX/2018. I AM ATTACHING THE A COPY OF THE CLAIMS REGISTER AND PAYOUT. IF THE ACCOUNT WA DELETED FROM THE BUREAU WEL THIS WOULD EXPLAIN EVERYTHING. I KNOW SOMEONE LEFT EVIDENCE BEHIND THINKING I WOULD NOT CATCH IT. APPEARS TO BE ANOTHER INSIDE JOB WITH THE SAME TWO ATTORNIES AND TRUSTEE. THE ALABAMA XXXX. ENTITLEMENT XXXX RACISIM AT IT'S FINEST! 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

I am off work on medical leave with no pay due to severe health issues and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : Delete account : ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX. Also please remove the following inquires : INQUIRY : XXXX XXXX  XXXX INQUIRY : XXXX XXXX XXXX XXXXXX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, XXXX and TransUnion are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or team XXXX XXXX XXXX from my report. XXXX and TransUnion have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXXXX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.
Consumer complaint received 2022-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

When I noticed this account showing up on my credit report I sent a letter to PORTFOLIO RECOVERY attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
This company is harassing me by calling to my personal cellphone before XXXX XXXX  and after XXXX. 

I also have called XXXX XXXX to dispute the account that they have sold to Portfolio Recovery and XXXX XXXX has not taken appropriate and fair steps to resolve or investigate my request, so this complaint is also to take effect against XXXX XXXX " The Original Creditor for this unauthorized account ''
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against Capital One Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. Capital One credit card furnished my non public personal information to XXXXXXXX XXXX XXXX  XXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice Capital one, XXXX, XXXX, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX