davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are unauthorized inquiries on my credit profile. I contacted the companies and they stated I needed to contact the credit bureaus because they have no record for me. I contacted the credit bureaus over several times last month and also on the XXXX of XXXX ago requesting verification of the unauthorized inquiries and I was told that they can not verify the inquiries and they will not remove them. I requested to speak with a manager and was put on hold for over 40 mins and then they hung up the phone. 

They have not validated the inquiries and refuse to remove them.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ragan & Ragan, PC (NJ)

XX/XX/XXXX Ragan & Ragan PC, has continued to willfully violate my cease and desist of communication. They are still responding with no regards to 15 USC 1692c they should not communicate with me except to advise me of their termination of their collection efforts. See CFPB Complaint # XXXX. The FDCPA is a strict liability statute and when debt collectors fail to comply with the requirements of FDCPA they are held liable to {$1000.00} per violation. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). Their continued communication while Im at work has cause great stress and anxiety and poor work ethic and humiliation. These injuries and damages are also causing marriage problems.
Consumer complaint received 2022-05-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (NJ)

Acura Financial Services ( Acura hereafter ) placed calls to consumer in a debt collection role with the intent to harrass, abuse and annoy in violation of 15 USC 1692d. These calls also include language of an obscene nature ( screaming at consumer ) and calls from individuals who refuse to meaningfully disclosure their identity. Acura placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - a total of 4 calls. These calls contain threatening language including yelling/screaming at consumer, in addition to false statements- specifically that Acura owns the property known as XXXX Acura XXXX. Each call itself, is a violation of 15 USC 1692d at large, consituting 4 federal law violations. The content of each call includes further violations of the law, specifically : 15 USC 1692d ( 1 ), ( 2 ), ( 3 ), ( 5 ) and ( 6 ). The consumer has attached 2 audio recordings from XX/XX/XXXX which verify threatening call which includes false statements and proof of refusal of caller to meanigfully disclose identity. ( other evidence can not be submitted due to sensitive personal information )
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-05-22
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 (RI)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written imstructions.

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.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In early XXXX of 2022, I was preparing to apply for a mortgage. In my review of finances, I noticed that a credit line which I held from XXXX was reporting an incorrect balance. It showed a balance in excess of {$5000.00}, when the true balance which should have been reported as of XX/XX/XXXX ( their reporting date ) should have been {$510.00}. 

I first contacted XXXX regarding the matter on XX/XX/XXXX. It took 12 days for the matter to be resolved. In that time I made 23 phone calls, totaling over 6 hours of time. In addition I wrote 5 emails detailing the issue. I was in contact with individuals from both XXXX, their parent company XXXX XXXX, and TransUnion. 

In the end, XXXX performed an investigation to determine what occurred that caused the incorrect reporting. They determined that they transmitted the balance information correctly and that the issue must be on the side of TransUnion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has confirmed this fact. 

I have previously asked TransUnion to investigate this matter to determine what occurred that caused me harm. They have declined. 

The error, which XXXX alleges is on the fault of TransUnion caused a 70+ point drop in my credit score, a dramatic increase in my Debt/income ratio. It delayed my ability to go out and buy a hone for 2 weeks. In that time, several homes went off the market we intended to bid on, and interest rates increased. Therefore, this error caused irreparable harm to my family.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Commenity Bank purchased my credit card from XXXX XXXX They did not issue me a new card or let me know this was happening. As such, I have no access to their online system to view statements or pay my bill. I have told them I need access and still have yet to receive a card or be able to access statements. The bill is currently past due and is being reported to the credit bureaus as late. This has negatively impacted my credit score. Prior to this I had 100 % on time payments to this card and all other creditors on my credit reports going back over 20 years.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-17
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-02
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. (NJ)

In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX, XXXX XXXX Address to be deleted : XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX FL XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX Hard inquiries not recognized and needing removal : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-04-04
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX # XXXX has violated my right. 
Bank XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 than seven years.15 U.S.C 1681s-29 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX 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 XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Hunter Warfield , Inc . 
XXXX XXXX XXXX, FL XXXX Re : Complaint # XXXX Dear Hunter Warfield , Inc., Thank you for your prompt response regarding my dispute of the debt referenced in Complaint # XXXX. I appreciate your thorough review of the account and the information provided. 

I acknowledge receipt of the enclosed documents, including the account ledger, invoices, move-out charges list, and the lease agreement. However, I would like to take this opportunity to request further clarification on several points. Specifically, I seek detailed explanations regarding the nature of the charges listed in the account ledger, as I believe there may still be discrepancies that require addressing. 

While I appreciate that you have noted my request for a cessation of communication, I still maintain my position regarding the accuracy of the reported information to the credit bureaus. Therefore, I request that you provide a more detailed validation of the debt, including any supporting documentation that substantiates the charges. 

I trust that you will treat this matter with the seriousness it deserves and look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

I purchased a XXXX gift card for {$100.00} from XXXX as a XXXX gift for a friend. My friend lost the gift card. Since I have the activation receipt, I thought that it would be simple matter to get a replacement card or for them to provide me with the card number and pin. I contacted XXXX customer support and they started a case. They eventually sent me a pin, which they claim they got from InComm, but it is not usable on XXXX 's website, and I was not given a card number. On XXXX 's website, they require a 16 digit card number and an 8 digit pin. XXXX sent me a 13 character " pin '' consisting of 3 letters followed by 10 numbers. XXXX 's website does not accept characters in the pin field. I have also tried to contact InComm through their customer support request page over a month ago, but have never received a response, not even an email confirmation. I have the activation receipt, bank statement. I need assistance in getting the card information, so that my friend can use the gift that I purchased for her. Gift cards need to be better regulated. As it stands now, the gift card companies are getting away with taking people 's money, which is essentially stealing. I have proof that I purchased the gift card, but I can't get any help from anyone. This is totally not right.
Consumer complaint received 2022-08-17
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 did NOT give these companies listed WRITTEN, VERBAL CONSENT for them to pull and report to a unaffiliated 3rd party. which is TRANSUNION. I never gave Transunion Written or verbal permission to report this information. These companies also never gave me the FULL DISCLOSURES option to OPT OUT? this is a violation of my consumer rights. please delete pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELELTE ALL INQURIES LISTED BELOW : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX the law says that these companies can not disclose my information to a unaffiliated third party. so why is Transunion reporting these inquires on my consumer report when I never gave them written permission to report in the first place? please delete