davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

This account was paid in full when I returned the rental item. Also, I was never late. 
A notice was never sent. The company just put it on my credit report. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Please remove it from my credit report.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-01-19
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentialit

y under 15 USC 1681. 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 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 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unauthorized hard inquiries were made on my XXXX, Transunion, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX and XXXX XXXX XXXX XXXX # XXXX That have violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized. 

I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account. 

I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left. 

When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple. 

First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents. 

Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation? 

I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance. 

How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal. 

Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 


DATE COMPANY ADDRESS REQUEST ORIGINATOR 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 2023-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/2023 contacted Truist Bank who aquired SunTrust who aquired XXXX XXXXXXXX XXXX and XXXX XXXX. The mortgage is located at XXXX XXXX XXXX XXXX XXXX XXXX Register of Deeds. The loan closing is delayed due to the satisfaction not being filed timely. The unabilty of Truist to complete in a timely manner due to lack of loan number on their part for companies previous aquisition it an issue.
Consumer complaint received 2022-12-25
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: ACIMA CREDIT, LLC (FL)

I invoke my rights as a consumer. 

A bureau can not furnish something that they did not receive written consent from the consumer to furnish. 

I never gave XXXX, XXXX or XXXX written consent to furnish these accounts on my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : transunion : XXXX XXXX Equifax : XXXXXXXX XXXX XXXX -XXXX  Experian XXXX XXXX XXXX charge off accounts XXXX : -XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX Equifax : XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-15
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX XXXX, two charges posted on my account in the amount {$1500.00}, totaling {$3100.00}. I disputed these charges through Capital One. XXXX XXXX challenged. Capital One sided with XXXX XXXX. The charges reposted to my account XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email from their legal department where they conceded that I am owed a refund for the {$3100.00}. They promised to provide two refunds in the amount of {$1500.00}. 

I submitted this information to Capital One Dispute Department. I have currently received only ONE refund in the amount of {$1500.00}. Capital One refuses to provide me the remaining {$1500.00}, even though XXXX XXXX has agreed in writing I am entitled to a refund. Capital One 's refusal to provide a refund is unethical, illegal, and fraudulent. 

Capital One has tried to explain that it can not provide a credit but this makes ZERO sense because 1 ) they processed the other refund/credit and 2 ) XXXX XXXX is agreeing I am entitled to the refund. I am not trying to challenge the original Capital One determination - I am providing new evidence directly from the merchant stating I am entitled to two refunds, and Capital One has no basis to refuse to process it.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

On XX/XX/2024, I submitted a dispute to Equifax using my Equifax I in cluded FTC Report, Police Report, and driver 's license, I requested to block and removed all fraudulent accounts from my credit report. As identified in 15 USCS 1681 c-2 blocking of fraud accounts, however, on Monday XX/XX/2024, I contacted Equifax by phone at XXXX to speak to THE OFFICE OF CONSUMERS AFFAIRS. ABOUT why has these fraudulent accounts still on my report after 4 days, the agent name was XXXX in the Office of consumer affairs Equifax. I was told on a recorded called that since I filled my dispute with Equifax on line the document I submitted is not valid and that I would have to mail the documents in that's Equifax policy.
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (FL)

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact Equifax, XXXX, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

accordance with the fair credit act # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose delivered to the consumer not later than 21 days
Consumer complaint received 2019-11-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (SC)

An auto loan was fraudulently opened on my behalf. 
Three months ago, an auto loan was opened by Ally Financial for purchase of a used XXXX  XXXX XXXX. The information provided to open the loan was my maiden name and my SSN, but not my address and phone number. No payments were ever made towards the loan, and the loan is negatively affecting my credit score. I was first notified when my current bank alerted me that my credit score dropped significantly over the last week. I have called the originating lender and placed a Fraud Alert at the three credit bureaus.
Consumer complaint received 2024-10-08
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. (TX)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-12-21
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: AMERICAN HONDA FINANCE CORP (PA)

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX has removed this debt on the basis that XXXX XXXX XXXX is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. Requests were on XXXX XXXX XXXX XXXX XXXX Transunion refuses to acknowledge my disputes at all. XXXX keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here XXXX XXXX XXXX has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. XXXX and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.