davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (FL)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2022-04-06
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)

XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (UT)

Back in XXXX I was sent a letter and emails from XXXX  letting me know they had a breach and that my information was part of the breach. As a result I added my name to the lawsuit that was available and they also offered me security software. Fast Forward to XXXX I wanted to get a home and when the mortgage company pulled my credit they noticed several loans that I had not requested nor opened on my credit. All of them between XXXX and XXXX. I then hired a company called XXXX XXXX XXXX or XXXX XXXX  to help me fix my credit. I did not file a police report because It would have done no good. They cleaned my credit and removed the accounts except for one. XXXX XXXX - Acct # XXXX opened on XX/XX/XXXX for XXXX. I also added a fraud note on all three credit bureaus to prevent anyone from using my credit. My credit is in good standing now except for this.I guess now Ad Astra owns this account and they are colleting on it. I DO NOT OWN THIS LOAN, NOR DID I OPEN IT. I have spoken to them and I have also tried to dispute the accounts on All Credit Bureaus and they all refuse to listen or to remove the account. Ad Astra finally sent me a letter in which they ask me to send them an FTC Identity theft report which I did. But today I received notice from XXXX  where they closed my dispute as completed and nothing changed. I need this removed from my credit.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.
Consumer complaint received 2022-09-10
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 the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a XXXX credit card. 

Ive never had a XXXX credit card and it doesnt show up on my XXXX  account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

Midland credit management said there was only one purchase in the account and no payment was ever made. 

They are threatening league action.
Consumer complaint received 2022-07-30
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. (IL)

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Consumer complaint received 2022-10-08
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX Balance {$300.00}
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

My wife and I consolidated our student loans in 2004 (? ) because we were led to believe we would receive a better interest rate, but when we got our first payment notice, the payment was too high for us to pay. We were not told that that would reset the clock for the period of repayment, so the 25 year clock was reset. We started with a debt of about $ XXXX. When we contacted them about the payment amount being more than we could afford they gave us a forbearance. We were not informed that we had a limited number of forbearances we could have or that the interest would be capitalized and added to the principle every year. A few years ago, when we tried to get a new forbearance, we were told we had used all our forbearances and could no longer get one. We didn't want to default and after many phone calls and much frustration, were able to get on an income based repayment plan. The principle had climbed to over {$200000.00} by that time and now our payments don't even cover the interest. Unless we take evasive action, our estate, when we die, will be consumed by our student loan debt and our kids will receive nothing. I have no problem paying back a debt I owe, but I feel as if I was cheated by Navient.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I noticed an authorized charge on my Capital One account by XXXX. I couldnt get a hold of XXXX  for weeks. When I finally got through, they were prying trying to get my email and my address. I didnt provide the info and they wouldnt tell me who and when the charge was made on my account. 
I called my card company, Capital One and notified them I didnt authorize any transaction to XXXX. Capital One never called me to verify if any of the information XXXX  had was accurate. 
Some days ago I got an email from Capital One that their investigation is concluded and XXXX is owed the money.
Consumer complaint received 2023-03-15
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
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. (TX)

XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Consumer complaint received 2023-03-15
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. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by TransUnion, XXXX and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX is not updating information correctly. I've paid this collection in full on XX/XX/2019 the amount is {$1600.00}. I include receipt and proof that this company has been going back in forth reported incorrect information on my credit report. Equifax is not investigating this at all and needs to be liable in a investigation with my proof of information and also they have deleted this and updated things on my credit profile and not removing these negative or incorrect items on my credit report
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2020-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Americor Funding, LLC (FL)

On Tuesday XX/XX/2020 I called the company called Credit9 at the number XXXX due to having received mail correspondence to my home address about being pre-approved for a personal loan. I spoke on the phone with a female representative of the company named XXXX who explained that her title is adviser. I was informed by Ms.XXXX that I will be approved for a personal loan, and that all I needed to do was provide my personal information, such as my full social security number, date of birth, home address, and full name. By providing the information I will be approved for a personal loan. Ms.XXXX informed me that she was going to send my information to a department called underwriting and will call me back at later time in the day to inform me of my approval. 

At approximately XXXX XXXX. eastern standard time, Ms.XXXX   called to inform me that my personal loan was not approved due to the reasons of a high amount of credit utilization and high amount of debt to income ratio. Which was not mentioned before I gave my personal information, and was not disclosed to me as a factor in not being approved for the personal loan. I never agreed nor was I informed about this factor preventing me from being approved. When I asked Ms.XXXX  to issue me a letter in writing for the reason of my personal loan not being approved, she informed me that it is up to her manager if one can be written and was not sure if she can write it. She informed me that the manager was busy and will reach out to me when possible. 

I am writing this complaint because I view, discern, imply and interpret this matter of business that Credit9 has conducted as deceptive practice and breach of verbal contract. I can prove that I have a clean credit report and have always paid my payments on time to all my creditors. So to be told that I am not approved for the personal loan and having my personal sensitive information be given to being assured and informed that I was going to be approved for a personal loan is deceptive and fraudulent. I am entitled to being issued my personal loan from the company.
Consumer complaint received 2022-10-07
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: Carvana Group, LLC (CO)

I am filing this compliant for my husband as he applied for a loan from Carvana on XX/XX/XXXX. Carvana called us on XX/XX/XXXX and stated that we could not get approved for financing because the identity quiz was failed and that we would need to get third party financing. The issues are as follows : 1. Carvana stated that the identity quiz was taken 2x but we were only offered the opportunity to take it once. They said the second time there were not any answers inputed. When we asked the question how did that happen when the system only offered the quiz one time. They stated it was a system error and they opened a ticket and sent me an email but no email was recieved. 
2. Even though we failed the identity quiz there is a hard pull on credit report right after my husband took it. When asked Carvana they stated once again system error sorry there is nothing we can do. 
3. Based on thinking we provided the correct answers we sent over personal documents as well as already took insurance out on the car based on there direction. When questioned once again recieved the response it was a system error, there was nothing they could do. 
4. because of this they will not hold the car until proper financing from a third party is recieved. 

Because the verification quiz as failed they should have not proceeded in pulling the credit report or having us upload additional personal documents. They have a copy of the drivers license and require a notary so that should suffice. While policies are understood the fact that a credit report was ran without proper verification is concerning and should not have happened and the fact they we were advised that the system errored is not an excuse to do a credit pull if the proper authorization was not received. We find that
Consumer complaint received 2022-07-30
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. (MD)

Account Name : XXXX XXXX  Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

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. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.