davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (IN)

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

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

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

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 2021-09-14
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. (CA)

I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the date of XX/XX/XXXX of 2021. I have an inquiry in XXXX XXXX Texas. I have never been there and i would like to solve this problem because it wasnt me who tried to do something with my credit account
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX 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
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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 : XXXX  XXXX XXXX XXXX. Please delete this account on my file ASAP.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

XX/XX/2023 - a {$420.00} repo fee accessed to my account. I had no knowledge of the repo fee and it was never stated on my statement. Kia took my {$540.00} car payment and instead of applying my car payment to my principal balance and interest, they applied the money to an expense. I had no knowledge that any of this happened until I got online and looked deeper into my account because Kia was stating I was behind on my payment. 

XXXX Kia charged me {$52.00} in late fees. I was late due to the fact that Kia took my {$540.00} dollar car payment that I made in XXXX and applied it to a fee that I was unaware of. So because no money of the {$540.00} went to my car payment, I accessed late fees. 

I have gone to small claims court with Kia as the defendant. Kia could not explain the repo fee to the judge. Kia agreed that the repo fee was not stated on my statement I was awarded nothing by the judge.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX 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
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MI)

MRS BPO debt collection agency attempted to collect a utility ( internet ) debt for internet hardware that was the result of identity theft in the creation of an account with XXXX internet services- this account is associated with a physical address at which I have never lived and is using an email address I did not create and have never used. I communicated this to MRS BPO and XXXX and they still added a collections account to my credit report on XX/XX/2023 resulting in a score drop of nearly 50 points across all reporting agencies. This drop has resulted in me being unable to take debt consolidation loans or auto loans and has caused irreparable harm to both my credit score and personal finances. I intend to pursue litigation against both MRS BPO and XXXX if all of my requests are not met in a timely fashion.
Consumer complaint received 2023-05-12
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. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

I fell behind when I became injured at work. Ive been trying to catch up. I pay more than the payment past due. The late fees never change only get higher. The payments go towards the payment that is current not the past due amount. Making it go past the 30 days late. The past 3 payments- Ive made small amount each week to watch. Each payment goes towards the current balance leaving the past due and late fees.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I previously worked for the XXXX. After retirement in the XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with XXXX for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
Consumer complaint received 2023-05-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

My fico has just dropped XXXX points over night without explanation. I have watched it daily and if it varies by a couple of points down, I will try and fix it to where it doesn't plummet more. It was in the 630s then up to XXXX then back down to XXXX really without explanation. Bc I have improved with what is on credit report. Disputed things that they flat out ignore. According to FCRA they have 30 days to investigate..max 45 days.. and I have been blown off. No paperwork or anything proving that the alleged accounts are actually mine.. They want you to keep buying products sold on Experian or or XXXX and I don't then my credit score drops XXXX points drastically. They add a new debt buyer and a collection account that is not mine. I have asked them to verify debit to send proof of account to me. And I just get " Verification to FCRA standards '' I need more than their word '' I was part of the Big class action lawsuit with one of them and received a check for breach of data and sold my Info.. I can't remember if was all 3 or just one..I am desperately trying to fix my credit and be a responsible consumer. And when I don't have a narcissistic ex or man to use these accounts and then pin them on me..I am actually very responsible. The dates on these accounts that are in collections and late.. and sold.. payments were made after I left ex and was lied to.. and he tricked me about not filing for divorce for at least a year due to my health. And when I was away..he filed for public notice. He recommended assets and I got these debts I knew nothing about. I know I should have known but most of this XXXX I didn't know that debts existed inmy name. And I never thought he would divorce me n 90 days via public notice. Stating I disappeared. I had no clue that public notice divorce was even legal. It's been very difficult getting my life back on track and trust me I would love to have taken his to court.. I had no money after all this to retain a lawyer to fight for my rights... It is still never ending. Dealing with this XXXX on credit report. Just so I hopefully can rebuild my credit to get housing and a car .... When I have gotten it up to XXXX.I 'm feeling better then it keeps dropping and today XXXX points without explanation.. I'm not dealing with this.. I've had enough.. please please help me XXXX
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — Store credit 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: Aqua Finance, Inc. (CA)

Complaint XXXX XXXX to me 55 minutes agoDetailsXX/XX/XXXXXXXX XXXX XXXX We purchased the XXXX water refiner and reverse osmosis system for our home onXX/XX/XXXX, from XXXX XXXX XXXX. We started having problems with the pipe connections outside where the system was installed, causing water leakage that was going under our home. We contacted XXXX, who sold is the unit, in XXXX of XXXX. They told us the problem might be our main drain was blocked but they would send someone out to check it. That never happened. We called three more times over the next month, leaving messages, but heard nothing back. We wanted to have a professional plumber fix the issue but our contract with XXXX stated that only their personnel could perform service in on the item and its components or our warranty would be voided. After months of dealing with this situation we began to notice the quality of our water declining. Evidence of hard water residue was in our bathtubs and sinks. We called againXX/XX/XXXX to request a service appointment and heard nothing back. Months later, XXXX sent a text with a service check reminder and we called them right away. Our appointment was confirmed for XX/XX/XXXX. When they called me days before the appointment I was informed that they would service our unit, for a charge of {$250.00}. I explained that according to our warranty, that the first year of service was free. They informed me that the year had past but I explained that we never received the service as requested during the first year. It took a bit of back and forth but after checking their records they saw I was correct and that they would come out at no charge. The appointment never happened. The day before our appointment I was contacted by XXXX who said their service guy got into an accident and could n't make it. I completely understood and we rescheduled for the next week. The day before that appointment I was called by a different employee of XXXX with the same story that their service guy just got into an accident. I clearly realized that they were lying and had no plans to service my unit. I began researching the company because the whole thing seemed suspicious to me. During my investigation I found that the water treatment specialist, XXXX XXXX, who sold us our unit was using a contractor 's license number ( CA # XXXX ) that was not registered to him. I found no evidence that he is actually licensed. That was the first count of fraud. The second was our contract of credit for XXXX XXXX was never signed by us. We only signed the contract for the water system, not for the revolving credit, which was opened without our consent. The third item is that our purchase contract is also invalid because it was never signed by management personnel at the XXXX home office as mandated. 
As of this date, we have paid over {$1500.00} to a company that has defrauded us on all accounts.
Consumer complaint received 2023-05-12
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. (AR)

As I investigated my credit report, I found out that some of the information was erroneous. XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$310.00}.
Consumer complaint received 2023-05-12
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. (DC)

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. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (GA)

I have had a personal American Express and a Business American Express ( OPEN ) since XX/XX/XXXX. This complaint is about the Business American Express. I used the OPEN for my XXXX as revolving cash for several years. I had balances over {$50000.00} at times. In XX/XX/XXXX, the balance was over {$25000.00}. By XX/XX/XXXX, the balance had dropped to under {$1000.00}. In XX/XX/XXXX, American Express notified me that they were cancelling my " pay as you go '' ( revolving ) and lowering my limit immediately. They claimed it was due to negative credit on my credit report. However, this was not true. 
There was no negative credit and my credit score was consistent. In fact, I refinanced a {$180000.00} mortgage in XX/XX/XXXX with no problem. 

We had just opened a big project and this immediately paying off a big balance ( about {$25000.00} ) was problematic. I called American Express and they suggested that I go on a payment plan. When the payment plan was complete, my card would be good to continue use. I agreed. I made 100 % of the payments on time during the payment plan. However, American Express cancelled the card during the payment plan. 

When the payment plan was complete, American Express demanded the remaining balance of about {$7200.00}. I had not idea this was coming. American Express had unilaterally reduced the credit line, unilaterally cancelled the card, and unlaterally called it due to no reason. I asked to simply continuing paying the $ XXXX/month and the balance would be retired in 9 months. They said NO. I wrote a letter to the president of the American Express. The executive office called me and told me there would do NOTHING to help. 

Note that I had ALWAYS made payments as agreed on the both cards ; there was NO problem with my credit. I simply want to retire the debt and move on. 

Since then, I have received harassing calls from American Express. American Express employee, XXXX XXXX, threatened to turn over the account to outside collections. XXXX XXXX is going to call the personal account fully due and turn it over to collections as well. He promised to " ruin my credit ''. Note that both the personal card and the business card have been paid as agreed always. This seems completely unnecessary. I am willing to pay. I just need a few months. 

I have had relationships with many mortgage companies and other credit cards for over 25 years and have maintained perfect credit. 

American Express purposefully ruining my credit is highly damaging to our real estate business as we are dependent on credit to purchase properties.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (AZ)

I went in to purchase my first " mom '' vehicle for my XXXX birthday I had my XXXX to trade in and $ XXXX to put down. The salesman was focused on " getting me in the lowest monthly payments '' somehow I ended up in a lease and not a purchase and they are charging me what 2 cars would cost. I have been trying to correct it literally since the day I drove the car off the lot. I also thought I was financing through Toyota XXXX whom I have financed 2 other cars through but its actually a fake company pretending to be Toyota XXXX.
Consumer complaint received 2023-05-12
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. (TX)

IN accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.