davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I noticed a car loan on my credit from Credit Acceptance Co. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Consumer complaint received 2024-09-02
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-24
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. (LA)

All of a sudden on XX/XX/XXXX information from 1996 is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There is an address listed on my report which is incorrect. I have disputed it on all XXXX credit reporting agencies and been denied each time. The address shown is : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived there. That is my ex-wife 's address.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION (TX)

I have never received a loan from check n go NEVER. All of a sudden this month when I checked my credit score and reports, I seen a collection for check n go for {$590.00}. Once again I never applied for a loan or received that money At all. At this point Im pretty certain its fraud because on my XXXX app it only shows this month and this month only which is weird and then they reported to collections in the same month. I tried to dispute it twice and they wont take it off so Im trying to find more alternatives to get this off my credit knowing I didnt apply or got the money .And its not right nor fair for this to be on my credit and i didnt do it at all. And I was a victim of identity theft and I hope and pray this is not another incident
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy. My husband and I had leased a car from them in XX/XX/XXXX. We were contacted in a few months by Westlake portfolio management about making payments on the lease. We requested information about the new contract with this company. We believe our agreement with the original company is violated and void because they no longer own the vehicle and lease. Westlake Portfolio management has failed to provide us with any information other than a billing portal and future payment schedule. They have provided a pay-off amount of around {$28000.00} for the minivan we have leased with a current XXXX XXXX XXXX value of {$5400.00}. The original contract states an early lease termination clause that does include associated fees. It does not state we would be required to pay the full amount due for the remainder of the original lease period. They have also repossessed our vehicle previously and moved it over to an auction house in a different state that we had to go retrieve, it cost us upwards of {$1500.00} to " Reinstate '' the loan and retrieve the vehicle. We were given no notice of warning of repossession and frequently are charged with additional taxes/fees. They fail to provide us with documentation with the terms for early termination and legal documentation to support the validity of the loan or billing amount. As this is a leased vehicle, we do not own the entirety of the debt that has been sold to them.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX  XXXX {$0.00} XXXX   XXXX {$850.00} XXXX  XXXX {$800.00} XXXX   XXXX {$460.00} XXXX XXXX {$720.00}
Consumer complaint received 2016-12-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CO)

I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.
Consumer complaint received 2024-10-21
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. (SC)

I have sent certified letter to XXXX, Experian, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank, Under their Terms and conditions Refuses to investigate Lost payments with their online banking guarantee and reimburse the same with proper customer notification. 

Wells Fargo Banking Refuses to investigate their Debit Cards for unknown debits on accounts nor in good faith make the necessary corrections in a timely manner. Refusing to give accredited accurate information and becomes confrontational when an inquires is made. 

Within a thirty day period I will have been Issued 3 new debit Cards because Of suspected Internal breach of their Customer Based System, Each time interfering with the processing or keeping my account Up to date an accurate. Causing A great Deal of hardship between XX/XX/2020 and XX/XX/2020
Consumer complaint received 2024-10-21
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. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-05-22
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ad Astra Recovery Services Inc (TX)

I called AD Astra today in regards to a XXXX XXXX debt on my credit for {$1100.00}. XXXX w/AD Astra told me that my account was sent to an attorney named XXXX XXXX XXXX on XX/XX/2018. I spoke w/XXXX  at XXXX XXXX XXXX   office and he told me that I was served in XXXX of XX/XX/2018. There's a judgement date of XX/XX/2018 in the amount of {$2500.00}. Had I been served, I would have attended the court date. I was never served at all. I do not have any notices that this account would be sent to a lawyer. I have never been served in my life and the process server is lying. I am asking that this judgement be reversed as there was no proper service and AD Astra needs to remove this from my credit.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-24
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: CITIBANK, N.A. (IN)

On XX/XX/XXXX I purchased 5 concert tickets for a XXXX XXXX and XXXX XXXX Concert to be held in XX/XX/XXXX for {$1600.00}. This included meeting and greeting the performers and a photo with the performers. Because of the COVID-19 situation and the statewide ban on gatherings such as this, the concert can not happen and did not happen. Further, meeting and greeting a performer is no longer going to be possible at all. I asked the merchant, XXXX for a refund, but they claim that the concert is not cancelled, but postponed indefinitely. If the concert was cancelled, it would be refunded. Their website, as I recall, claimed to have extensive buyer protections. That's obviously false. I have a document from XXXX ( attached ) that seems to state that the concert will happen in XXXX!!!! This is ridiculous. Concerts are essentially illegal right now and rescheduling 3 years into the future is beyond ridiculous. I just want my money back. They did not provide the service I paid for and I need this money returned. I contacted Citi and disputed this charge, but Citi found in favor of the merchant that can not provide me with the services promised.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to formally lodge a complaint regarding Experian 's inaccurate reporting on my credit report. Specifically, Experian has listed a negative entry related to XXXX XXXX that is false and misleading. The report indicates that I owe a delinquent amount, despite the fact that the issue is still unresolved and under negotiation. 

This entry pertains to a vehicle that was stolen and subsequently towed by a company called XXXX. I am currently in the process of negotiating with my insurance company, XXXX XXXX, to resolve the matter and pay off the remaining amount owed. The claim is still open, and the situation has not yet been settled. Given this, it is premature and unjust for Experian to report this matter as if it were a closed or resolved debt. 

I have made several attempts to communicate with both XXXX and Experian to rectify this erroneous listing, but the issue remains unresolved. This inaccurate reporting has caused significant harm to my credit score and has created undue stress as I try to resolve the matter with my insurance company. I respectfully request that the Consumer Protection Bureau take action to have this false information removed from my credit report immediately. 

I would appreciate your assistance in ensuring that Experian and XXXX properly update my credit report to reflect the accurate status of this unresolved issue. I am prepared to provide documentation supporting my claim, including evidence of the ongoing negotiations with XXXX XXXX regarding the stolen vehicle. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I notified Experian that I am a victim of identity theft and in return they told me I am a credit repair company and did not fix the errors on my credit report. this is my second request
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute a late payment entry on my account referenced above under the provisions of *15 U.S. Code 1666 ( b ) *, which addresses billing errors. I never received a bill for the month in question, and I dispute the late fee that was applied as a result i have requested over 3 times on XXXX, XXXX and XXXX never received any answer and this hurts my credit score so bad i need to by a house for my kids and I cant do it
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

In XX/XX/2020 I.C. SYSTEM, INC reported a debt of {$790.00} dollars for XXXX XXXX XXXX  XXXX XXXX on my credit report. First, I was unaware this account even existed, I never received any documents or letters about this account. I have lived at the same residence for 5 years now and the gas is NOT in my name. The reporting also violates the CARES Credit reporting Act along with the Utility Consumer Protections During California COVID-19 Outbreak.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXX {$1100.00} DEPTEDXXXX XXXX {$3000.00}
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.