davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts 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.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.
Consumer complaint received 2022-04-09
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (OH)

Hello, My name is XXXX XXXX and I currently reside in XXXX, Ohio. I was informed to contact your company by the XXXX XXXX XXXX. I am writing you because I'm not sure but I feel like there is some type of scam going on. Here is the problem : I currently am paying a note on a XXXX XXXX XXXX XXXX. I bought it from XXXX XXXXXXXX located on XXXX and XXXX in XXXX of XXXX when I was employed with them. I worked at the XXXX across the street. After I placed my down-payment on it which was {$1000.00} I continued to pay my car note. As of today XX/XX/XXXX, I am still paying on it. You would think after all this time it would be paid off. The first red flag was when my car got repossessed and they couldn't find my car. I put {$1200.00} flat and I had a very hard time trying to get my car back. Fast-forwarding to XX/XX/XXXX, I paid the {$1100.00}. When I looked at my balance before I paid it said {$7600.00}. After the balance said {$7100.00}, when it should say {$6500.00}. That was strange to me because all this time I was thinking I was actually paying on my CAR NOTE. So I decided to give them a call. I spoke with a man and asked him where the money was going towards. I do have everything recorded if needed. He explained to me that all my payments are going straight to interest first which I don't understand. I thought my money was going to my actual payments. How are we suppose to get our balance down if they keep piling on interest. I feel like this is how they get you. I'm giving them all my money thinking I'm doing something and my balance isn't going anywhere. He only explained about the interest rate being {$4.00} at first. I did some calculating and this is what I personally came up with. {$4.00} ( interest rate ) x 30 ( days ) = {$140.00} right. Even If I were to do interest on the whole year that's only {$1700.00}. Where is my money going to? I have no understanding.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Evelyn Financial Services (SC)

Since starting services with EVELYN FINANCIAL SERVICES, my experience has been horrible. Due to all the misinformation, and the fact that it has been very hard to reach Evelyn regarding anything on my account. I was forced to do my own research on Credit repair in general, as well as her company. From what I found, I didn't think she could guarantee me any results, nor could she charge my in advance for credit repair ( Here is the website I seen it on, https : //www.ftc.gov/enforcement/statutes/credit-repair-organizations-act ). I was reading this website, and it's looking like I am only supposed to pay for work that was already completed on my credit. This did not happen this way. I paid her {$300.00} up front. This verbiage was pulled directly from her website ( https : //www.evelynfinancial.com/ ) " Service includes the removal of all negative accounts from all 3 credit bureaus that includes car repossessions, tax liens, bankruptcies, late payments, medical bills, collections accounts and charge offs. You will see your score increase within the first 30-45 days and most negative accounts are cleared within 4 months. ". I signed up for her program in XXXX, 2020. That has been WELL over 30-45 days. It has been nearly a year, and I have had little to no progress on my credit file and it has been nearly impossible to reach her at the office. There was one instance where I messaged her to discuss my account, she directed me to the website, and I paid {$10.00} just to have a call with her, and she didn't even show up for that call. At this point, I've done all I can on my end to try to see results, or try to reach out to Evelyn to get help with my progress. At this point, I do not feel like she is doing the job that I paid her for almost one year ago.
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (CA)

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, EXPERIAN OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( TRANSUNION, XXXX  OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
Consumer complaint received 2021-11-18
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. (NY)

This consumer reporting agency is reporting inaccurate and false information on my consumer report, I have notified them on numerous occasions and they have failed to comply with the Fair credit Reporting Act. They are in violation of 15 U.S. Code 1681n ( a ) for willful noncompliance. 

XXXX XXXX falsely reported a late payment back in XXXX of 2020 on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over 120 days since I have been reaching out to the company to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

They are also in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (MA)

I have tried to call their number on the back of their card XXXX and getting my card unlocked. IT is partially unlocked I can make payments etc but I can't change my address bc I put in three numbers on the back wrong, yet no problem when changing my password. MAIL has been stolen at our address. POLICE were informed. Hence needed mail to be sent to this address : XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX. But I can't update that in AMEX system. So if they don't update my address and send confirmation to this address then we will have an issue as I won't be able to get any of their mail. I need them to change the address to what I provided and unlock whatever parts they have locked.
Consumer complaint received 2018-12-16
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. (SC)

On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.
Consumer complaint received 2018-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that " Your payment was incomplete due to invalid or missing account number. '' As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the " Consumer Loan Statement '' I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX and 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 15 U.S.C 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 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These 3 credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )
Consumer complaint received 2018-12-16
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)

An address appeared on all 3 of my credit reports ( XXXX, XXXX, Transunion ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

more information complaint XXXX CEASE ALL CONTACT AN COLLECTION I REFUSE THIS ALLEGED DEBT 15USC1692c ( c ). 

I the consumer notice that you said that you were getting validation from your client. wait wait wait to first state that proves i owe you nothing you're reporting on my consumer report. I HAVE NO CONTRACT WITH YOU. I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I REFUSE THIS ALLEGED DEBT COMING FROM A XXXX PARTY DEBT COLLECTOR. PURSAUNT TO CASE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX CASE XXXX DOCUMENT XXXX PAGE XXXX OF XXXX. WHEN YOU PURCHASED ALLEGED DEBTS, YOU'RE PURCHASING A THOERITICAL CLAIM OF OWNERSHIP. THERE ARE NO NOTES ASSIGNED NO CONTRACTS ARE TRANSFERRED. SO BASICALLY, ALL YOU HAVE IS AND ELECTRONIC LIST OF COSUMERS AN THIER LAST KNOWN ADDRESS WITH AMOUNT THE CREDITOR CLAIMED TO BE OWED. OFTEN THE INTREST RATE IS NOT INCLUDED DATES OF BIRTH OR SOCIAL SECURITY NUMBERS ARE NOT INCLUDED, AND ADDRESSES HAVE NOT BEEN UPDATED ALSO, PURSAUNT TO THIS CASE THE COURTS FOUND THAT DEBT COLLECTORS DO NOT ACTUALLY PURCHASE AND RECEIVE CREDIT CONTRACTS, THEIR SPECFIC TERMS, PAYMENTS HISTORIES, SALES OR BILLING DOCUMENTS AND OTHER DOCUMENTS NECESSARY TO PROPERLY PROSECUTE AND COLLECT A DEBT OR EVEN TO KNOW WITH ANY REASONABLE DEGREE OF CONFIDENCE THAT A SPECIFIC DEBTOR OPENED, USED AND THEN FAILED TO PAY A DEBT IN A SPECIFIC AMOUNT. 

SO WITH THAT BEING SAID YOUR A USING HARASSMENT AND OR ABUSE PURSUANT TO 15USC1692d ( 2 ) this profane lang to me for you to say i owe you an alleged debt an then you come back and say you will get an alleged validation from you client well if you have no actually validation contract etc why are you reporting negative computerized unverified account on my consumer report?????? you have no contract when you are assigned or purchased alleged debts your purchasing nothing.. 

I ALSO ASKED YOU TO CEASE CONTACT WITH ME THROUGH ALL MEDIUMS INCLUEDING MY CONSUMER REPORT. PURSAUNT TO 15USC1692c ( c ). 

YOUR A BIG FRAUD YOU ARE ATTEMPTING TO SWINDLE I THE CONSUMER PUSUANT TO 18USC1341. I HAVE NO BUSINESS WITH YOU NO CONTRACT WITH YOU XXXX YOU DONT EVEN HAVE A CONTRACT OR ANYTHING FACTUAL YOU ONLY HAVE COMPUTER GENERATED INFORMATION BUT STILL TRYING TO COLLECT MONEY FROM I THE CONSUMER. 

YOU AN YOUR CLIENT IS COMMITTING RACKETEERING PURSUANT TO 18USC1961 ( 1 ) YOU BOTH ARE USING FAKE CONTRACTS AND UNVERIFABLE INFORMATION TO COLLECT MONEY. 

I REFUSE THIS ALLEGED DEBT ONCE AGAIN I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I DO NOT WANT AN FAKE VERIFICATION THATS IS DONE ONLY BY COMPUTER INFORMATION THAT IS NOT VAILD. 15USC1692c ( c ). 
XXXX XXXX
Consumer complaint received 2022-06-29
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. (CA)

I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : COLUMBIA DEBT RECOVERY {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-02
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. (FL)

Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries