davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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. 


XXXX XXXX XXXX Balance : {$8100.00} ; 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NY)

There is a letter from Ally on file from a unresolved previous dispute. This is follow up related to this unresolved complaint. Please follow up with Ally and accept this as a new complaint. There response is unacceptable. The company failed to acknowledge my previous phone calls starting in XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017. The company also failed to acknowledge that on the phone calls in XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017 in which I advised and repeatedly told the various representatives which is documented at Ally that the dealer referenced as well as dealers I contacted that Ally has not listed in their letter, erroneously I might add flat out refused to take back the car. All of this was discussed on the aforementioned calls from XX/XX/2017 and on. The onus still falls on Ally. I made all good faith attempts to rectify this issue. This letter from Ally does not resolve this or acknowledges all my contact starting in XXXX of 2017. I made every attempt and going above and beyond to resolve. Yes Ally acknowledges XXXX XXXX XXXX however I noticed that they failed to mention that upon several attempts and messages this dealer would not accept the car. As well as the other dealers in the XXXX area which I contacted and advised Ally that I did contact with no result other than a refusal to take back the car. I gave Ally months to resolve this issue and Ally is not operating in good faith or in accurate and truthful ways. This is not resolved or by any means acceptable outcome. I wish that this matter is pursued and not closed erroneously or with proper follow up. This letter from Ally has a very big gap and appears to be clearly missing all my contact conversations and the letterers which were sent to Ally. They need to cease and desist on this account and accurately close it. I started in XX/XX/2017 they didn't resolve until XX/XX/2017 which is absolutely unacceptable. Please rectify this issue. I want all documentation from Ally. Not just the one call they acknowledged. There is a major gap and clearly by not showing all that documentation they are proving that they are hiding something and not accepting liability for their actions or lack of action I did all I could for months.
Consumer complaint received 2022-08-25
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-08-25
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: Google Compare Credit Cards Inc. (AR)

In previous complaint number XXXX the company 's final response asserted that they provided a refund to all transactions in the complaint. Neither their internal website nor my credit card card show any evidence of such refunds. I ask that you either reopen the complaint and ask the company for evidence that they provided these refunds or refer to an enforcement agency. The company, XXXX XXXX, was deceptive in their response according to the data I show in their own site. None of the transaction id 's show any evidence of being refunded.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (WI)

I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and Equifax, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with Lexis Nexus which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You
Consumer complaint received 2022-08-25
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. (TX)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-25
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. (TX)

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 ) acopy 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 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 Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (OR)

I received a deposit from Fsa and on XX/XX/2022 I noticed that there were 4 virtual card purchases on XX/XX/2022 for {$640.00} {$700.00}, {$990.00} and {$990.00} which took all of my money and I did not do these they say XXXX XXXX which I have no idea what this is so I called and filed disputes on all of them amd I just received this which has me so upset its not funny Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX, XXXX XXXXXXXX XXXX  {$990.00} {$990.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$990.00} {$990.00} XX/XX/2022 XXXX XXXXXXXX, XXXX XXXX, XXXX  {$700.00} {$700.00} XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX {$640.00} {$640.00} We have thoroughly investigated your claim and determined that no error has occurred. 

This notice serves as final resolution of your claim. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card as we would be happy to assist you further. 

The institution is moneylion and I wrote them and told them that if they would look at the IP address they would clearly be able to see that I did not do this.
Consumer complaint received 2022-08-25
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: ENCORE CAPITAL GROUP INC. (NY)

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

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnace an account without my written instruction.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

My pay pal account got closed indefinitely yet I uploaded all the required verification documents. I feel discriminated by pay pal because they have closed my account without informing me the reason. I uploaded ID and Proof of address documents and yet pay pal have not responded to me. I just noticed my account has been permanently limited when i logged in to my account and tried to contact them, however it shows in the resolution center that my account has been permanently limited and that I cant use pay pal anymore. My pay pal mail is XXXX under the Reference ID : XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Investment Retrievers, Inc. (TX)

I have never heard of Investment Retrievers Inc before until just recently. They are counting on people being too busy to take defensive action against them. If you look at just a few of the cases they have won, you will find that most of the cases went uncontested from start to finish. 

As a result of this, Investment Retrievers Inc has been successful in filing and wining ( mostly by default judgment ) hundreds of court cases throughout South XXXX.

Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic period.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXXXXXX XXXX reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Consumer complaint received 2020-03-17
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (CA)

I opened a HELOC with SpringEQ on XX/XX/2022. During the application process, they said that the cost of my appraisal had increased {$290.00}, from the {$580.00} original estimate to {$870.00}. I called SpringEQ and spoke to a Sales Manager, XXXX XXXX, and he verbally agreed that SpringEQ would split the cost of the increased appraisal cost and he took my payment information to collect the additional {$140.00}, which was in addition to the {$580.00} previously collected. Upon closing, SpringEQ did not provide a credit for the {$140.00} that they agreed to pay and instead deducted that amount from the proceeds of my initial draw. Despite numerous attempts to resolve this with SpringEQ, they are no longer responding to my emails.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SoLo Funds Inc. (DC)

On XX/XX/2023, I borrowed {$400.00} from the Solo Funds App. The loan was approved but with stipulations. In order to revive the loan I had to tip the lender and I had to leave a tip for Solo funds in the amount of between 7-10 %. I requested the loan be deposited into my account via ACH. I also selected that I could repay my loan within 15 days. This means the due date would be tomorrow XXXX  The issue I have is that once I request the loan and it was approved o was told I would receive the funds in 1-2 business days. Unfortunately I didnt receive the funds until XX/XX/ late at night. This date was 8 days passed the agreed loan funding date. To make matters worse, solo funds explained when I reached out that the funds were severely delayed because they were having issues and so was their banking partner. I didnt know this until I reached out and complained. It only were they not forthcoming about having issues but they also didnt notify the lender that I had not actually received my funds yet. By the time I did get my loan, I would have only 7 days to pay it back. I asked to get a due date extension since the loan funds being delayed were not my fault. Solo stated and admitted that it was their error and their banking partners error. They refuse to extend the due date and tomorrow if I do not pay i will be reported to the credit bureau and I will be charged daily late fees.