davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct these mistaken accounts being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-06-07
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. (FL)

I am writing to dispute the following information that your company supplied to [ XXXX, TRANSUNION, XXXX. I have listed the items I dispute on the This item hard inquires from CONSUMER PORTFOLIO SVC, DT CREDIT is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXXXXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (MO)

These inquiries DO NOT BELONG to me. i have sent several letters. 



XXXX : Inquiry dateXXXX XXXX-Inquiry date-XXXX
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recieved an offer for {$200.00} cahsback after spending {$500.00} within the first 90 days of opening an account. I spent the {$500.00} before the 90 days and then called the CaptialOne to inquire about the cash back reward. I was told that this account did not have a cash back associated with it. I then asked to have this issue looked into. XXXX business days later a Capital One rewards representative called back and told me that after the application process Capital One made a counter offer on the application which did not incluide a cash back rewards but rather modified APR terms. I then told tem I would payoff the card and cancel it. I was never advised in obvious communication that the credit cards terms had changed. I feel this was improper advertising and done not in good faith. When an offer is made and then accepted the deal is over but what Capital One is trying to do is modify their terms aferwards and I am not talking about the credit card terms but the reward terms.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

XX/XX/2022 on this date company opened a collection Account number XXXX {$100.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-06-07
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. (TN)

The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX 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 XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

Pursuant 15 USC 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I am putting LVNV Funding/Resurgent Capital Services on notice to cease and desist further communication with the consumer in regard to this alleged debt, I do not owe them anything, I will not pay them anything, I do not have any written or signed contract with them and any information used without my consent is identity theft. This cease and desist also applies to the conveying of information regarding this debt on my credit report as well, my credit report is a medium.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX and XXXX XXXX XXXX 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 2022-06-07
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. (TN)

The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX 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 XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-06-07
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. (NY)

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXXExperian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-07
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)

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion/XXXX  not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I am a victim of unfair debt collection practices. The company I.C. Systems, INC is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The company 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2022-06-07
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)

In Accordance with the Fair Credit Reporting Act. The company 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  also known as XXXX 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 2022-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Creditor were created to ruin the consumers LIFE and get paid.

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Consumer complaint received 2022-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (GA)

I applied for a loan with Greensky for some foundation work with XXXX XXXX XXXX. I was approved for the loan however the company couldn't do the job until XXXX months later. When I started to make payments I was told that my 1year no interest was about to expire and a interest rate of 9.99 % will be assessed in the next XXXX months. Greensky started the loan without me making a transaction on the loan. I asked them to consider starting the no interest on the date the work was complete but they wouldn't agree. This was the most unfair loan process I have ever experienced, I'm still making payments after almost XXXX XXXX. I'm having to pay XXXX times the payment due to pay them off ASAP. My purchase window expired XX/XX/2020 now the interest that I have to pay is XXXX I could have saved if the Greensky would have processed my loan correctly.
Consumer complaint received 2022-11-30
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. (CT)

I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANCO POPULAR DE PUERTO RICO (PR)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # BANCO POPULAR XXXX 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
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 1602 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 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

XXXX claims I owe them money. My account has always been on automatic payment status and to my knowledge I do not owe them any money. XXXX XXXX is terriible to disconnect service from. I paid over {$500.00} for a phone that had long been lost. When I returned my cable boxes I tried to take care of the phone while in the office but was unable to. The only way is via phone. Really!
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have tried on numerous occasions to make a payment or partial. 
They have a rule that if you can't make full payment then you have to go-to their office. 
I browed money from family to pay these people off. 
They still processt in me going to the for payment. 
I am XXXX XXXX XXXX and have never had a bank refuse any form of payment. Yet they do. I have my debt card ready to pay the loan off but I am out of state and can't comply with there wished So I just keep getting late fees. 
They show up at my job my house anywhere they think I am they try to get payment from me. 
Please try to act as a mediator so I can pay them off with no added pinaltites. 
Thanks
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello I called experian regarding a loan I didnt apply for on my credit report. They were very rude and I experienced discrimination and I didnt like how I was spoken to at all. They were very rude and unkind and they didnt try to help me with removing unauthorized information such as admistration services on my credit report as as an inquiry and I need it removed immediately!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I noticed some Unauthorized Inquires on my Credit Report. Ive noticed these Hard Inquiries XXXX of XXXX. 
One XXXX XXXX XXXX from XXXX of XXXX and another CAPITAL ONE dated XXXX of XXXX. I would like these removed. Thank you
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.