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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

I have XXXX XXXX XXXX XXXXXX/XX/XXXX With XXXX  insurance. I have no clue. A few XXXX .. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ..XXXX XXXX XXXX XXXXXXXX ... XX/XX/XXXX ... XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and XXXX XXXX Don't have these on my other buearous. This way to much. I was told I had a minor accident non fault on XX/XX/XXXX. It was not me. Now it's on my insurance. The insurance couldn't give me no information. NOW MY CAR INSURANCE IS HIGH. ON MY XXXX.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/22, i initiated XXXX external transfers from my Ally account to a previously Ally authorized external account ( XXXX XXXX XXXX XXXX ). The first transfer posted and deducted money from Ally on XX/XX/22 and posted at XXXX. The XXXX transfer deducted on XX/XX/22 from my Ally account but has NOT posted at all at XXXX as of this complaint date XX/XX/22. The third transfer just fell out of Ally 's system as they suspended my external XXXX transfer account. Numerous calls lasting 30 mins - 2hrs with 30+ mins of hold included, have resulted in being told that Ally cancelled the XXXX transfer and suspended my XXXX account but still deducted the funds from my account. They claim to be researching and to be putting the funds in my account but have not done although they admit taking the funds and NOT transferring them.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a hard enquiry on my credit report. I got notification from XXXX XXXX that a hard inquiry was made by CAP1/XXXX  XXXX XXXX CAPITAL ONE, XXXX, VA XXXX XXXX. I have never applied for this credit card. 
Based on my conversation with CapitalOne customer care, it seems that request for credit card was denied. 

I'm curious how someone could open an account with all my details without me. I also wanted to know the documents which they have submitted for the application so that I know what all my information have been compromised. This information was not provided by CapitalOne.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-26
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)

XXXX 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 XXXX 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 2020-11-27
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

Received an email from US Bank on XX/XX/22 at XXXX XXXX indicating that I had applied for a card ( I currently have a credit card with this company ). 

Dear XXXX, Thank you for applying for the XXXX XXXX XXXX  Card. 
Give us some time to review your application. We may contact you to verify your info or request documents. Youll certainly hear from us when weve reached a decision, which usually takes 7-10 business days. 
We appreciate your patience. Thank you for choosing U.S. Bank. 

I received another email on XX/XX/22 at XXXX XXXX from US Bank : Your card will arrive by mail in about 7 days. Be sure to activate it that will give you a total credit line of {$17000.00}.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX I'm writing this statement without any influence from any third party. Please see the attached documents and ID. It contains my full complaint and request regarding Experian. 
As I have sent an Affidavit of Truth to General Counsel : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX
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. (VA)

am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-22
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. (IL)

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I got a loan with ace cash advanced in 2019. They sold it, then that company sold it. The final company showed up to my parents house threatening to take me to jail, saying I have a warrant, calling 6 family members saying I have a warrant out of my arrest, etc. this is the number ( XXXX ) XXXX.
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (SC)

On XX/XX/2019, I was called from an autodialer from Collection Bureau of America. The call told me to press one if I was XXXX XXXX. Then told me to wait for the next representative. A representative named XXXX picked up the phone after I waited it to connect me to someone. She informed me that she was with Collection Bureau of America and did not verify any information with the exception of my name, which she had as XXXX XXXX, not XXXX XXXX. She then told me my addresses ( previous and current ). It could have been anyone on the line that she was talking to since she didn't ask me any personal identifiable information. She did not ask for any information from me. I asked what it was regarding and she told me it was regarding a storage bill but she could not tell me the company. Then, she said it was in XXXX, but then said it was in XXXX. She told me I could look it up. I told her there are tons of storage companies in XXXX! I told her I was worried about them reporting to the consumer reporting agencies and she said that it could be reported in 30 or 45 days. I informed her that they had not even sent me any validation and they have not given me the right to dispute the debt. I ended up informing her about that her company violated the Telephone Consumer Protection Act ( TCPA ) and asked to talk to a supervisor because the TCPA violation could cost them a fine of {$500.00} per call. She argued with me stating that she called me and the call was not autodialed, which was a lie. I asked her if the call was manual dialed, why did I have to push 1 to confirm I was the person and then wait " for the next representative. '' XXXX, then, hung up on me. 

I called back, a woman picked up the phone and hung up on me again. Then I called again. The next representative did not want to transfer me to a manager. She ended up transferring me to a manager named XXXX. She told me the company that sent the debt to them was XXXX XXXX XXXX but she had no documentation. She would not give me their phone number either. I told her about her companies violation of the TCPA and that she should speak with her compliance department. I have worked in the compliance department of a third-party debt collection company and in the legal department of an automobile originator and dealt with many issues regarding violations such as TCPA, FDCPA and UDAAP. I know my rights, and my rights have been violated.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

In XX/XX/XXXX, I was notified via my credit reports from XXXX, XXXX and XXXX, that I owed allegedly owed a debt to the collection agency, FAIR COLLECTIONS & OUTSOURCING. Since that time, I have attempted to have this debt validated by the XXXX credit bureau and by the collection agency at no resolution. I have disputed this debt with XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And I have sent letters to the collection agency disputing this debt and requesting valuation of this debt. I have never received any correspondences. At this point, this false information is detrimental to my credit status and my ability to obtain credit. I want this information deleted from my credit bureau report.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

My mortgage company is Amerihome. On XX/XX/2021 a refund from escrow overage was issued in the amount of {$1500.00}. I have not received it. I have called many times to Amerihome about this with most unhelpful agents. 
2 weeks after it was issued I contacted them to say I have not received it. Was only told a " work order '' would be issued to research and stop the 1st check and send another one. I was also told that work order would be completed on XX/XX/XXXX. 
TodaXX/XX/2021 I called to get an update on the status and what a new check number would be and when it was sent. The CS rep said she would make a work order to research this issue and it would take another 7-10 business days. I explained this was already done and I would need to see a resolution and information on a new check issued. That was met with total resistance. 
They can not tell me the status of the original check # XXXX if it has been stopped which the work order was supposed to have done or so I have been led to believe, has it been cashed has it even been mailed? 
They have provided nothing but terrible non helpful customer service in helping resolve this. I am wanting my refund. It is a lot of money to this retired person. I have also started a search with the usps but to date they have not found anything.
Consumer complaint received 2022-04-26
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: LEXISNEXIS (KY)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX PL A XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-27
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. (NY)

i have filed a dispute in regards to the incorrect itemson my credit report. it has been well over 30 days and i have not received any investigation results. 

following inquires on report not recognized and disputed XXXX  XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020 XXXX XXXX date:XX/XX/2020
Consumer complaint received 2022-04-26
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 had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!