davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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. (FL)

Transunion po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX RE : FRAUD RE : EXTORTION RE : XXXX RE : PROOF OF CLAIM RE : GRAMM LEACH BLILEY ACT RE : BILLING ERROR RESOLUTION RE : REINVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF XXXXXXXX XXXX/Federally Protected Consumer to TRANSUNION, XXXX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. Send proof of your FRAUDULENT Authority and Power of Attorney to sell, report, share, transfer, and store my personal information, my financial information, and the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? TRANSUNION AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is NOT being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report.

I have reason to believe Transunion and your codefendants/clients are using unlawful extortionate means by furnishing this transaction that should have been exempt from furnishing negative information they are not REQUIRED to furnish as a means to coerce me to pay on an extension of credit. ON WHOS AUTHORITY DO YOU HAVE TO COMMIT FRAUD ON MY NAME? MY LAWFUL CONSENT IS REQUIRED AND I NEVER GAVE YOU MY LAWFUL CONSENT. 

Transunion was previously asked to do a reasonable investigation into the above-listed accounts. Transunion was also asked to send several documents after their investigation. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV, CARBON COPIES, AND FROZEN SCANS, AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF FROM YOUR INVESTIGATIONS WHAT PROCEDURES WERE USED IN YOUR INVESTIGATION.
Consumer complaint received 2022-06-27
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. (SC)

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OK)

The perpetrator took over my identity. A notice first appeared as an email that my network had been hacked. When the call was made to the credit card company, the perpetrator intercepted the call and represented himself as being from the company. To resolve the " issue '', the perpetrator had me purchase gift cards from two vendors. 

The degree of fraud was amazing ; intercepting each call made to my credit card companies and representing himself as actually being from the credit card company. 
Not only was my network hacked but my phone as well.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I opened a savings account at XXXX XXXX XXXX. I linked from Ally to XXXX XXXX XXXX by way of using micro deposits. When the account was successfully linked, I then scheduled a external transfer of $ XXXX from Ally to XXXX XXXX XXXX. That first transfer went through without any issues. A day later I scheduled another transfer from Ally to XXXX XXXX XXXXk for $ XXXX. Ally blocked that transfer stating the following reason : " stopped for invalid account holder ''. 

Ally 's incompetence is costing me money by way of lost interest earnings. Ally is currently paying 1 % while XXXX XXXX XXXX is paying 1.61 % APY. Ally 's action has also resulted in my 1-day transfers being downgraded to 3-days further causing my loss of revenue due to delayed transfers. I am the valid account holder of XXXX XXXX XXXX, Ally approved the micro deposits to link the account, and also allowed the previous transfer. Why would now all of a sudden my external account be declared invalid? Ally has also suspended all transfers between my Ally accounts and XXXX XXXX XXXX without cause or reason.
Consumer complaint received 2022-03-03
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. (NC)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.
Consumer complaint received 2022-04-21
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. (NC)

Experian will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from US auto stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX 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 719XXXX 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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

This is my SECOND TIME REPORTING THIS ISSUE FROM EXPERIANXXXX XXXX XXXX XXXX. I KEEP GETTING DENIED CREDIT BECAUSE THIS AGENCY WILL NOT DELETE THE " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH, LACK OF RECENT REVOLVING ACCOUNT INFORMATION, LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION. '' MY BANKRUTCY WAS DISCHARGED OVER 2 YEARS AGO AND EACH TIME I APPLY FOR CREDIT, I'M DENIED AND IT'S ALWAYS EXPERIAN AGENCY THAT HAS THIS INFORMATION OF BAD CREDIT AND LOW CREDIT SCORES! THIS AGENCY WILL NOT ANSWER THE PHONES, THEY WILL NOT MAIL CREDIT REPORTS, AND THEY WILL NOT CORRECT MY CREDIT INFORMATION. I WANT TO SUE THEM AND THIS BOGUS FEDERAL AGENCY WHO WILL NOT ACT AND DISCIPLINE THIS BOGUS EXPERIAN AGENCY! I'M ASKING CONSUMER FINANCE TO HELP ME IN GETTING THIS INFORMATION CORRECTED ONCE AND FOR ALL! PLEASE REMOVE ALL OLD ADDRESS, NAMES AND PHONE NUMBERS FROM MY CREDIT REPORT, I WANT THIS CREDIT AGENCY TO CORRECT MY CREDIT REPORT OR I'M GOING TO GET AN ATTORNEY!
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I purchased a vehicle from a local dealership on XX/XX/2020 Vehicle was priced for XXXX with a warranty of XXXX attached making total of XXXX putting down a payment of XXXX cash ( with not bad credit at all ) a lender by the name of XXXX XXXX picked up the loan @ a interest rate of 22.9 % left me owing XXXX or XXXX for total after vehicle is paid in full. Total still due on vehicle is XXXX. As a consumer I am looking into this interest rate I feel it was very unfair Ive seen where this lender has been investigated in the State of XXXX wondering if anything in Illinois is in question on this lender thanking you in advance
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. 

This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (MA)

Greensky was recommended by XXXX XXXX XXXX XXXX XXXXXXXX XXXX to give us financing options for the roof that was required on the property in question. 

A loan was applied for and approved for {$18000.00}. 

XXXX XXXX XXXX was hired and quoted {$13000.00} for the job. 

XXXX XXXX XXXX told us that there was additional work that was needed - taking them from the least expensive to the most expensive vendor for the roof. Total was {$21000.00}. 

XXXX XXXX XXXX recommended all kinds of additional work to me. I asked for a document ( pictures or a written doc ) for all this extra work on top of the extra work that had already been done, it was not provided. Clean up work that should have been done at the job site was not completed to my satisfaction was not done and I asked on many occasions for that to be remedied and it also was not done. There were signs left for advertising that were committed to be removed- they never were and they blew around the yard eventually hitting parked cars in the driveway. 

XXXX XXXX XXXX completed the job in XXXX day and then requested the payment from GreenSky. GreenSky paid them {$18000.00}, I never approved the transaction and have informed them and escalated the issue. Neither GreenSky or XXXX XXXX offered any kind of help in resolving this issue. All parties continued to state that the loan was approved to be paid- and it was not. 

Even after escalating and spending weeks on calls and emails - to no avail. GreenSky continues to purport fraud, this transaction was not approved. The work at the house was never fully completed to my satisfaction and neither party wants to help resolve the issue. 

Step in and take action to resolve, please.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 heck 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (IN)

On a previous response to the CFPB there was a different answer than the letter I received denying me a credit card through Wells Fargo. 
Previous complaint : XXXX. 
I provided my information/ social security number at the time of application. 
The letter said I had delinquencies on my credit, I do not. 
This response is a lie, I did provide my information and no one from WF reached out to ask me for that information. 
This is bait and switch and highly illegal to get my information. 
Additionally, I have received many spam calls and emails since this application. 
This is upsetting, I expect them to make it right, if you pulled my credit and sent me a denial letter you had my social security number! 
You would not say in the letter that I have delinquencies if you didn't pull my credit. 
Shameful behavior!
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company. 


XX/XX/2022 A Complaint submitted by XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .
Consumer complaint received 2022-06-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Infiniti marked me late XXXX of 2022 when I had filed for an extension. It was confirmed that there was an extension in place which I will attach and I sent to the bureaus. the late payment still remains on the credit report.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

There is negative reporting about a " car loan '' on my consumer report, the reporting of Capital One Auto Finance in the amount of {$13000.00} reported XXXX XXXX opened XX/XX/2020 which has now been closed leaving horrible remarks tarnishing and ruining my consumer report by the company Capital One Auto Finance stating that this was charged off as a bad debt profit and write off loss. when there in fact was no loan.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I had an HSBC Premier World Elite card until it was closed and converted to a HSBC Cash Rewards credit card in XXXX ( which has no annual fee ). I did not convert this card, HSBC USA did. However, I was charged an annual fee for the Premier World Elite card of {$390.00}. When my card was converted to a the Cash Rewards, I phoned in XXXX and talked to an agent and they advised me I would get a refund for the annual fee. I called back after 30 days only to find out nobody had any record of this conversation nor knew anything about conversion of bank accounts/credit cards that recently transpired in the XXXX. I have called numerous occasions asking about my annual fee refund, but unfortunately have been given the run around. So many of the agents say they will " escalate '' this and call me back. No one has ever called me back. In fact, this week alone I have called three times and have logged a almost 3 hours on the phone to resolve this issue. Why is HSBC stealing my money? I paid for the annual fee for card and benefits that no longer exist? Please give me my money back. This is a crooked business practice, HSBC. Do the right thing.
Consumer complaint received 2022-06-27
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. (TX)

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 that need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX my employment record suspiciously ended up online after a dispute with my employer. I had numerous credit cards taken out in my name, mostly for trinkets and small purchases. I froze all 3 bureau accounts and stopped using credit altogether. On XX/XX/XXXX i went to unfreeze my credit for a car loan and discovered my Experian account was unfrozen and changed to a different, unknown email. There are ( apparently ) fraudulent charges on that report. I called the company, but they would not answer, automatically directing me back to their website account ( which i am locked out of. ) I immediately sent a physical letter, but there has been no response.