davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX, 2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX , XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Consumer complaint received 2022-07-26
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. (PA)

On XX/XX/2022, I sent an investigation letter to Experian to check on every piece of information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking number : XXXX. I told them to check everything on my report to ensure everything is 100 % accurate. 

According to 15 USC 1681 section 603 ( 3 ) ( E ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Experian responded on XX/XX/2022 stating they conducted an investigation and everything is accurate per report # XXXX. On XX/XX/2022, I asked them how did they investigate if everything wasn't 100 % accurate and items on my credit report are still not accurate. I attached this letter and the tracking number for that letter is : XXXX. Per report # XXXX that was received on XX/XX/2022, Experian stated that my accounts were properly investigated. How is that possible if they did not do a proper investigation according to the law. Also, the following information on these accounts are still not reporting 100 % accurate ; number of months ( terms ), the payment status, and the date last active, and payment history are all inaccurate. I also attached the credit reports that are showing the inaccuracies. 

Account name : XXXX XXXX XXXX ( XXXX ) Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX That is grounds for removal and they also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 : According to : 15 USC 1681 Section 602 A. States I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MO)

Hello, I saw a property online that i was interested in purchasing. 

There was a link to XXXX XXXX XXXX as a suggested company to use for the pre approval process. 

I entered my information and was contacted by XXXX XXXX, Loan Specialist via phone. 

I returned his call and spent 30 minutes giving him the information he requested to get the process started. 

He asked me for a time that he could call me back and discuss next steps. I verified that he would call me and he agreed. 

I did not receive a call back at the allotted timeslot. I waited for an hour in case there were details he was still working on. 

After the hour past i called and left him a voicemail. He waited until the end of the work day and sent me an email stating the reason he would not be able to approve my application. 

None of the numbers he based my non approval on corresponded to the request I made on the application. He entered numbers he chose that over exceeded my request by tens of thousands of dollars. I find that action totally unacceptable. 

When I reached back out to him by return email and reiterated the numbers from the original conversation, I received an email back this morning that recalculated a percentage that was again incorrect and still tens of thousands of dollars over what I requested originally. 

these practices are unethical and deceiving to the general public and should be punishable by law in my humble opinion. 

Thank you
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (SC)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX of Bitcoin Scammers and Crypto Ideology ( the Fraudsters or Scammer ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of yours, owner of a wallet committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX6 BTC utilizing Kraken services
Consumer complaint received 2021-12-09
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: Experian Information Solutions Inc. (NY)

on XXXX XXXX 2021 I submitted a dispute with EXPERIAN about 2 late payments that is inaccurately reporting to my Experian credit file. These 2 allege late payments are only reporting on Experian and no other credit reporting agencies. on XXXX XXXX 2021 I received a response from Experian communicating that the disputed item was " UPDATED '' but was given no proof as to how EXPERIAN investigated this matter and came up with the conclusion of " UPDATED ''. I am exercising my rights under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) requesting a METHOD OF VERIFICATION and I expect to receive within ( 15 ) of receipt of this letter.
Consumer complaint received 2022-11-01
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-23
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 (UT)

I applied a credit card with a limited time offer for vacation rental credit for up to XXXX dollars. I opened the card in XXXX, XXXX, and used the card for a XXXX ( vacation rental ) reservation on XX/XX/XXXX. The XXXX stayed was completed in XXXX, XXXX, which should not matter because XXXX payment was done in XXXX, XXXX. The total charge amount was more than XXXX dollars which should automatically triggered the credit. By now, it's XX/XX/XXXX ; way over two billing cycle as stated in the terms, and I still have not received the XXXX  dollar credit back. I made multiple phone calls and no one was able to resolved it for me on the phone. Every time I was told that they had opened an investigation ticket and there was nothing they can do.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Ive been a PNC Bank customer for over XXXX years. On Friday, XX/XX/2022 My mother and I walked into the PNC Bank branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My mother is older, walks with a cane and has some health issues, so I approached the bank teller window to assist my mother. My mother proceeds to make a {$3500.00} withdrawal from her checking account and we stood at the window for over 30 minutes trying to figure out why my mother can not make a withdrawal from her available government issued social security funds. My mother produced her identification upon request ( Photo I.D and debit card ) but still was denied to have her funds released. It then came to my attention that my mother and I was being XXXX XXXX as I attempted to withdraw the {$3500.00} out of my personal account. I also produced proper identification and typed my social security number on the key pad, only for the teller to tell me I can release the money to you, do you have another credit card, I then give her a credit card that matches the name on all of my identification that this female bank teller, who doesnt look like me is holding in her hand, then she ask me for a work I.D . which I did not have, so I removed my XXXX XXXX so that she can see I am the same person on the drivers license in your hand, along with two additional credit card, a medical card with my name and employers name and and another master card. It was so embarrassing being XXXX XXXX  and not being able to have access to my own money that I work so hard for. I have XXXX accounts at PNC bank and I have substantial amounts in two of those accounts and after standing in the bank for and hour and still be denied access to my money because of my XXXX XXXX is horrible.
Consumer complaint received 2022-04-24
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. (NC)

XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing 8 late payments XXXX showing 10 late payments Transunion shows no payment history XXXX shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX Transunion showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and XXXX shows no information on my investigation, and transunion shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.
Consumer complaint received 2022-04-24
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: Velocity Portfolio Group (FL)

On XX/XX/2022, CKS Prime Investments, L added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Properties II, LLC (MD)

Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my Navy chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on kelly blue book value. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Virginia, XXXX XXXX.
Consumer complaint received 2022-04-24
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. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these Credit Reporting Agencies as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2022-08-12
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: HSBC NORTH AMERICA HOLDINGS INC. (FL)

on XX/XX/2022 I noticed a charge off on my credit under HSBC for {$6400.00} on XX/XX/2022 I noticed a charge off on my credit under XXXX XXXXXXXX for {$5300.00} Come to find HSBC and XXXX XXXX and four credit agencies reporting all the incorrect : 1. Address 2. Phone numbers 3. Birthdate 4. Name 5. I was dead. 
Since XX/XX/2022 I have provided all four agencies with IRS tax returns, home tax bill, SS cards, Birth Certificate, XXXX, XXXX, XXXX, and XX/XX/2022 I have email, mailed IRS tax returns, home tax bills, SS cards, Birth Certificate, XX/XX/2022 XXXX Police told me to call FTC which directed me to CFPB
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B