davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY XXXXXXXX XXXX ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING COVID 19 PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, XXXX and experian. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/XXXX please mail to XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX THIS WAS KFA RESPONSE I WANT THIS MATTER TAKEN SERIOUSLY! 

In their complaint, XXXX XXXX XXXX XXXX Kia Finance America ( KFA ) issued him a refund check, in the amount of {$4000.00}, which was stolen from his car. XXXX XXXX states he has contacted KFA to request the check be reissued to him, but KFA advised the check had been cashed and would not reissue it. XXXX XXXX requests KFA reissue the refund check to him. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion regarding the refunds issued to XXXX XXXX. KFA issued XXXX XXXX refunds totaling {$4000.00}. KFA spoke with XXXX XXXX on XX/XX/XXXX, at which time he confirmed receipt of the refund checks, verifying the amounts and check numbers with KFA. Both checks were then cashed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted KFA, advising he had misplaced the refund checks, at which time he was advised they had previously been cashed. Should XXXX XXXX believe the checks were cashed by an unauthorized third party, he may contact KFAs Customer Service department, at ( XXXX ) XXXX, to have an investigation opened. 

THE FACTS IS TRUE I DID CAL KFA AND ASKED WHY WAS IT MAILED AND YES CONFIRMED RECEIVING BUT THEY WERE STOLEN OUT MY CAR BEFORE CASHING WHICH I EXPLAINED MY FAMILY NEEDS THIS MONEY THIS IS HUMILATION.JUST BECAUSE I RECIEVED AND CONFIRMED I GOT IT DOESNT MEAN I CASHED IT
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

( 1. ) During a phone call to Equifax after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( XXXX ) During the same phone call with Equifax after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''.. 

FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-09-29
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)

On XX/XX/2022 two letters were sent out by me to Equifax and XXXX ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both XXXX XXXX and Equifax and I also have absolutely no knowledge of the inquiries on my Equifax and XXXX. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and Equifax did indeed receive my letters but did not respond within 4 days now it is XXXX XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

( 1. ) During a phone call to Experian after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( 2 ) During the same phone call with Experian after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''. 

( 3 ) The Experian representative manager refused to remove variation of my name even after admitting she could verify my legal name : XXXX XXXX XXXX FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (NC)

This is a long story due to the incompetent employees at village capital. XX/XX/XXXX I closed on my house with them. XX/XX/XXXX they raise my mortgage by almost {$400.00} with the explanation of force placed insurance. Myself and my homeowners insurance company submitted all documents they asked for and waited for them to back date and adjust my mortgage correctly like they advised XXXX XXXX. Finally after over a month and many hours on the phone with them and my insurance company, village capital finds the mistake they made at closing. They forgot to include my wind and hail which does not need to be escrowed. They add it without my consent. They have refused to correct the issue or call me back/answer my calls and are negatively reporting to the credit bureaus. They are also applying my mortgage payments incorrectly. What they are doing is illegal. I have facts and proof of their wrong doing and so does my insurance company. XXXX and XXXX XXXX are the most unprofessional and disrespectful people I have ever dealt with. Math is not hard and numbers do not lie ; village capital does. This is a short version of key points. Just look at their XXXX and XXXX  reviews. The attachment is just one example.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I had my credit report pulled by XXXX  for a mortgage loan and they are showing inaccurate information on one of my accounts as being in collection when its not and its hurting my score. The account in question is my Service finance account XXXX. This is in violation of the FCRA and needs to be fixed.
Consumer complaint received 2024-11-01
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. (MA)

I am writing to request the blocking and deletion of unauthorized accounts that have been reported on my credit file following a recent data breach. These accounts were not authorized by me, and in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal. 
Unauthorized Accounts 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 2024-10-30
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-09-29
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: GOLDMAN SACHS BANK USA (NJ)

I have concerns that Goldman Sachs is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made countless attempts, and spent several hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original request, which has been pending for several months now.
Consumer complaint received 2022-09-29
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. (TX)

I have had problem with reporting agency Equifax for the last three years, I have been disputing items and account that do not belong to me for the last three years with Equifax, they just delete the items that I disputed and then after 2 months than they deleted these items from my account and they reinstall them again or just put new ones in my report, my credit score has dropped XXXX points due to these problems since then, I have sent documentation like three/four times in the past already to support my dispute claims and they are always asking for more and more documentation that I already sent in the past. I am just tired and too stressed with all this happening and I am appealing to this government agency to help me out with this matter. 
These are the items that dont belong to me : 1. Two hard inquires : 1 : XX/XX/2021. 2 : XX/XX/2021 2. Two wrong addresses in my file : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX 3. Wrong name and address on file 4. Two installments accounts : XXXX XXXX XXXX account ending XXXX XXXX XXXX account XXXX XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I was charged for services I didnt receive from a merchant XXXX XXXX XXXX I disputed the charge with the bank and the bank miss handled my dispute and denied my dispute. They did not put in the correct reason for my dispute. And to my knowledge, its not giving me a valid reason why they denied my dispute. XXXX XXXX XXXX charge me for weeks I did not have the car. They charge me {$560.00} one charge and {$320.00} another charge that I did not do. They charge me for weeks I did not have the car. ( instead of them making my dispute reason not receiving goods or services, they made my dispute reason charges appears more than once on my account, which is the wrong reason ).
Consumer complaint received 2022-09-29
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: AMERICAN EXPRESS COMPANY (MI)

I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2022 correspondence were created to send to me and in this letter there are too many things that are still incorrect that have yet to be fixed! First, this account does not belong on my consumer report. Second, the amount on the letter from Wells Fargo is different than the amount of {$2600.00} that is being reported to consumer reporting agencies, which is a clear violation. Also, this company in this very letter told me themselves their company records does not reflect records that a 1099-C cancellation of debt form was even submitted. That means for them to report it as a " charge-off '' is unlawful and also makes it inaccurate. This account is also simultaniously being reported as a collection account too. To my understanding, those are two separate types of statuses and are not the same thing so I'm confused as to why they're reporting it at all and why it s showing as both?
Consumer complaint received 2022-09-29
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

I had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX  I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score. 


I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (MI)

XXXX XX/XX/year> XXXX XX/XX/year> CAPITAL XXXX XX/XX/year> XXXX XX/XX/year> RESIDENT VERIFY XX/XX/year>
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (CA)

There is multiple fraudulent inquiries that need to be removed. 
These inquires and dates are as follows : Experian XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX ( XX/XX/22 & XX/XX/22 ), XXXX XXXX XXXX Bank ( XX/XX/22 ).
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

I did not apply for a credit card. I have received an email stated that I was denied. I have checked my XXXX account and Chase card is on my report. It should not be because I did not do this.