davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a dispute with XXXX and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with TransUnion. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX reporting the fraud, but this is still on my TransUnion account . Also the same XXXX XXXX  account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation (IL)

I believe a fraudulent account through the Albert financial app has been opened in my name using my social security number. 

On XX/XX/27, I received an email thanking me for signing up for " XXXX XXXX, '' which I never signed up for. 

I tried to email Albert to say that this account was fraudulent, but they responded that I had to log into the app to receive any help. 

Then, I subsequently received an email with a pre-filled direct deposit form, with " my '' alleged signature, and an old address I used to live at. 

When I tried to download the app to reset the password and get help, I could not log in without giving my social security number.
Consumer complaint received 2023-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL (UT)

Im writing in regards to synchrony bank with XXXX master card The company was very hard to work with 90 percent of them dont speak very good English and half the time I was trying to get my bill waived because I had some issues with my balance as Im trying to settle with my credit card company they just wouldnt work with me. Im severely disappointed and I have a major XXXX XXXX called XXXX and they just didnt care about my feelings my credit score is low because I was struggling to pay the bill as I didnt have a job at the time I was waiting for my XXXX income to show up I thought it was rude for them to disrespect me very much and not want to listen to what I had to say and ignore me I hope this doesnt happen to anyone else cause I had a horrible experience
Consumer complaint received 2022-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA Auto loan in the Amount of {$12000.00} that part of the multimillion settlement. Auto loans from XX/XX/XXXX, XXXX XXXX Was supposed to settle by deleting loan balance off consumers credit report. Instead its reported as a charge off and sold to another company XXXX XXXX XXXX. When this account should no longer exist on my consumer report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/2017- XXXX. XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, Transunion, XXXX, XXXX, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX Account # 1234, 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 an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX Bank {$660.00}, XXXX XXXX Bank {$590.00}
Consumer complaint received 2022-11-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (LA)

On XX/XX/2022, my brother XXXX XXXX received a call about my student loans from Navient. I do not understand how they got his phone number but thats not a point of major concern. They asked to speak with myself. He addressed himself as XXXX XXXX. They asked him to verify my DOB which he initially got wrong. They played a guessing game with the year which he eventually got right. If they asked him to verify anything else to include an address he would not have been able to. They proceeded to discuss my student loan information. He knows my account balance and what kind of settlement that they are offering and he shouldnt. He has never been authorized to speak for me. He has never been included on any of my loan documents. Never had he been noted to be a POA or anything of the sort. It is my understanding that I have a right to some level of privacy.
Consumer complaint received 2022-08-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-27
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. (IL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX OF XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (RI)

On XX/XX/2022 I received instacash in the amount of {$100.00} in my roar money account. I then attempted to utilize money lion 's turbo transfer option to send those funds to my debit card which had been previously connected to my account. I initially received an error message, but attempted the transfer a second time and got confirmation via the app that it was successful. The funds were debited from my roar money account and the transfer is supposed to take place within minutes. It has not. The funds were never credited to my other debit card account, they are not in my roar money account and Money Lion still shows me as owing them the money even though I never had use of the funds. I tried seeking resolution that same day via support chat and over the phone but to no avail. I have yet to be contacted with any updated status and the funds have yet to show up anywhere. I never had use of the funds and therefore, do not owe this money. I either need to receive the funds or have the instacash loan written off as a result of their failure to send the funds properly.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (TX)

I sent Equifax a letter to remove two items on my report XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX  Self Account Number XXXX. They sent a letter back stating that the account were " verified '' I then asked for the Method of Verification and to provide me with the 1. Name of the original creditor, 2. The creditors address and phone number, 3. The persons name they verified the dispute with and 4. The documentation used to verify the dispute. I also asked Equifax to please provide a contract between them and I where they have my written instructions to furnish a consumer report on my behalf. Equifax has failed to send me the following information that I requested and has failed to remove both accounts. Equifax is violating my consumer rights according to the FCRA as a consumer report can only be furnished with the written instructions of the consumer and also transactions between a consumer and person is not supposed to be included on my consumer report. I never gave Equifax permission to furnish anything on my report on my behalf.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA Date Opened : XX/XX/XXXX This information is inaccurate because : This account has incorrect information, this is a prepaid company. This is not a real credit card, this needs to be removed. The balance is incorrect on this account, Its way to high. This is false information being reported, I would like this removed from my credit history. 


File Number : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear, Transunion Consumer Solutions XXXX XXXX : XXXX XXXXXXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This information is inaccurate because : This needs to be removed this is Inaccurate information and payment history. I have paid this account off, this should not be on my credit report. I would like this to be deleted. I did Not open this account in XXXX. Incorrect information, someone used my name in connection with fraud opening this account. I would like this deleted from my credit report.
Consumer complaint received 2022-07-27
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. (CA)

According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

Fair Collections & Outsourcing of New England, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Account # XXXX In accordance to the Fair Credit Reporting Act Fair Collections & Outsourcing of New England, Inc Account # XXXX has violated my rights.. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (GA)

In early XXXX of XXXX I refinanced my auto loan with Ally financial with a new lender for a better rate resulting in a lower monthly payment. My new lender sent Ally the payoff check via XXXX overnight on XX/XX/XXXX. Ally received the check on XX/XX/XXXX. I confirmed this by the XXXX  tracking link provided to me by my new lender. I contacted Ally on XX/XX/XXXX to let them know they had the check in hand and to ask them to update and close my account. They told me they arent seeing the check was received yet and advised me to call back in XXXX hours. I told them I was concerned with them reporting a late on my credit and they advised they only report lates after XXXX days. I contacted Ally every day after XX/XX/XXXX to inquire about the status of my account, each time I was told the check wasnt received, even after I sent them the XXXX  tracking link and the receipt showing proof of delivery. Each time I was told their paper check processing system was down and to try back in XXXX hours. I contacted them everyday and when asked I provided them the check date, check number and amount. Even then I got no resolution. My lender provided me a copy of the cancelled payoff check which I sent to Ally MULTIPLE times to prove the payoff check was processed but my account wasnt updated and closed. Ally reported a XXXX day late on my credit on XX/XX/XXXX, well over XXXX weeks after they processed the payoff check from my new lender. I have disputed this with the credit bureaus and filed a complaint with the XXXX. I still have yet to hear from Ally after a customer relations specialists reached out to me and asked that I email all documentation directly to her. I did that on XX/XX/XXXX and still have yet to hear back from her. I received a letter in the mail yesterday from Ally stating that if my account was not brought current by XX/XX/XXXX, they were exercising their right to terminate our contract and repossess my vehicle. I have reached out to Ally every day via, email, chat, phone call and they have been unresponsive and offer no help on getting this issue resolved. I have never had a late payment at all during the time vehicle was financed with Ally. This is wrong and unfair.
Consumer complaint received 2022-11-23
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. ()

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-21
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. (TX)

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-27
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)

I notified Experian of reporting my XXXX XXXX account as late when it is in fact not late. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave Experian or XXXX XXXX written insructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused me severe stress and has also caused me to get denied for credit due to abusive and unfair practices. I demanded Experian to report the account as paid or paid as agreed and they have failed to do so and responded by saying the information was " verified ''. Experian is in fact violating my consumer rights as they never got my written consent to furnish my report on my behalf, and transactions between a consumer and a person is not supposed to be included onto consumer reports.
Consumer complaint received 2022-07-28
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: V and H Portfolio (TX)

Vance & Huffman is not correcting errors on my credit report. There are so many inaccuracies that I have been disputing and they do not removed them. Isn't this a violation of the FCRA? I have a letter from them stating they are aware of the disputes. Also, I need validation of debt, a signed copy of a contract stating I owe them the alleged debt pursuant to 15 USD 1692g Sec. 809 ( b ) of the FDCPA.

It seems this company is already is violation and account should be deleted. All documents they've sent and copies of dispute letters and complaints are getting sent to my attorney. 
Thank you in advance for looking into this matter.