davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (TX)

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. 

OFFICE OF THE ATTY GEN LATE PAYMENT {$380.00}, i have no late payments -- -- -- -has violated my rights. 

XXXX XXXX XXXX LATE PAYMENT -- -- - has violated my rights. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XX/XX/2022 -- -- - has violated my rights. 


XXXXXXXX XXXX XXXX LATE PAYMENT XX/XX/2022 -- -- - has violated my rights. 

XXXX XXXX XX/XX/2022 -- -- - has violated my rights. 

Inquiries XXXX XXXX numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX- -numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

ive never lived here XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -- -- 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.

( i did not give you 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 2018-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

Previously by mail and through dispute with all three credit bureaus in XX/XX/2018 via notification with the Identity theft affidavit, police report and verifying information Hunter Warfield, INC was notified of this fraudulent account and has continued to collect and report a debt that is not mine and refuses to remove and stop collections tactics of the debt that was obtained illegally by Identity Theft. One tactic that has been repeated is when they did remove the account in XXXX they reinserted it in XXXX with a different amount and different opening date which still remains on my credit report as of today XX/XX/2018. 

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XXXX and XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect even though I'm a victim of Identity Theft.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC (AR)

I moved into XXXX XXXX XXXX  in XX/XX/XXXX, or towards the end in XX/XX/XXXX. When moved in they seem to be nice, but the apartment was not completely clean. I have a witness that can state it still smelled like animals when I moved in the kitchen draws we're not fixed, stove and fridge was not clean. They did take care of it eventually. They made us get renters insurance for XXXX dollars a month which I was glad of because it was a malfunction on the stove and it caught a fire I made the claim and told insurance company my personal belongings were ok, and that they could fix their equipment if they filed a claim because there is a XXXX  deductible. I then told XXXX XXXX and their response was Did we charge for anything? And dismiss it, but I did not because I felt that was strange. I told the insurance person that they would be in touch. When it got close to the end of my lease they started to pressure me to sign a new lease, when I did not I was late on my last month which was XX/XX/XXXX and they kicked me out immediately and would not work me. As a matter of fact we had to pay utilities through them and they let my toilet run water for two weeks without fixing it, another reason why I was not reluctant to pay my full rent. They kicked me out and told me I had to leave to save them costs on an eviction process which I did not understand how that worked. The day they told me that I moved out. They are trying to get 2-3 thousand dollars out of me which they know I do not have, I do not owe, and out of spite. What makes matters worst they were so underhanded when I asked what it was for they asked was they v being recorded and come in and talk about it. This matter is not on my credit report, but they have it posted on my rental history to keep me from getting a new place. They reported to a lawyer for collection, but yet in still it was not posted on my credit report to dispute. XXXX XXXX is not a good place to live because it is some underhanded activities going on. When you do not sign a new lease it is a problem and they definitely will try and over charge you. I feel like there is some defamation of character going on because I stayed there a year and now in the end it was a problem. It is also conflict of interest because it should have been on my credit to dispute it has been over a year and they would not mind talking on the phone about the dilemma even if I was on a recorded line and they have nothing to hide. I am currently pregnant and this situation has put unnecessary stress on me, and caused undue hardship because instead of working with me on the rest of the last month rent, I had to move my stuff, find another place, and making it difficult for me to find somewhere decent and affordable to stay. I would not give them a recommendation for future tenants.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (VA)

Complaint against National Commercial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Toll Free : ( XXXX ) XXXX Telephone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX NCS was withdrawing {$100.00} from joint back account for a year. When my relationship ended with that person he called NCS to change the bank account information that the funds were withdrawn from. NCS continued to withdraw {$100.00} from my account and refused to work with me to get the issue resolved. They maintained the payment was returned non sufficent funds, which was not the case as I have bank statements to prove other wise.

I attempted to talk with XXXX  who was rude, said he doesn't need to talk to me, and when I requested a supervisor he refused. NCS does not attempt to work with people when they have made an error and will not allow you to speak with a supervisor.

By them taking this money when they were not supposed to, it caused my mortgage payment to bounce and incur additional fees. I also lost time at work having to be on the phone with them.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the inaccurate XXXX information that is currently listed on my credit report. The XXXX XXXX number XXXX, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this XXXX XXXX pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect XXXX information from my credit report. 

Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. 

I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.
Consumer complaint received 2018-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (CA)

I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD.

This is unfair how can they charge me more than interest earned from the CD.  My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.
Consumer complaint received 2018-08-14
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. (IL)

Inaccurate hard inquiries customer service would not take care of the negative inquiries reporting to my credit report. Company - Trans Union XXXX XXXX XXXXXX/XX/2018. XXXX   XXXX XXXX - XX/XX/2018. XXXX XXXX  - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018
Consumer complaint received 2018-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.
Consumer complaint received 2018-08-12
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. (TX)

XXXX XXXX states on my credit report that I owe on an account for XXXX {$450.00}, I do not owe this amount I paid my final bill with XXXX I will like to receive a bill review of all payments that were credited to my account along with all the monthly bills.
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-02
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

called Equifax to get freeze on my credit. had an voice answering service. I could not get a person to speak to. found their online sign up for a credit freeze got all the way to the end and they said you must put in a number they would send to your email account. I lost my internet connection had to start over because number is valid for just a few minutes. tried to fill out the info again and was told I already have a account I tried to enter the account and was told I could not enter at this time. This of course is because I could not enter the number they sent in the allotted time. Now I can not freeze my credit with them. My identity has been compromised within this last week so I need this resolved
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NV)

I just received a call from XXXX  that my information was being used to open up credit cards, then i checked on my XXXX XXXX   account, its shows two different synchronybank/walmart and synchrony/ppextr. So i called synchrony bank they handled the walmart credit card very well and they removed the fraud accouny that was being opened under my name, but the thing is they told me they didnt know PPEXTR which shows its under their bank too. I would like to remove this since this is fraud.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPL Recovery Solutions (NM)

JPL Recovery Solutions XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NY XXXX XXXX The company mentioned above contacted me at work on XX/XX/2018. I told XXXX ( the woman calling ) not to call me at work and I would call her back when I got off work. The very next day, XX/XX/2018, I receive a call from XXXX on my work phone. I told him that I told XXXX not to call me at work and hung up the phone. He called me back the same day right after hanging up the phone and said he could call me at work because I hang up before he could finish his sentence.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

I called XXXX  hundreds of times over several months and XXXX  continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told XXXX the Navient accounts were closed. XXXX insulted me when I called and refused to remove the inaccuracies even though all 10 Navient loans are closed. XXXX  denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to XXXX that they were violating FCRA and they just hung up in my face.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one 360 will not give access to the private parties that want to look at my account history so I can be approved for a loan this is stopping me from financial aid I've reached out to capital one 360 all they say is sorry we can't ... but it's my account not there's to even control
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (AZ)

A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. 
I believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. 
2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. 
3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. 
4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. 
5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. 
6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. 
Altogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.
Consumer complaint received 2018-09-20
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: ALLY FINANCIAL INC. (NY)

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Consumer complaint received 2018-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2006 me and my wife got a Home Equity Line of Credit from XXXX XXXX XXXX. for XXXX. Than that following month we asked for an increase of another XXXX and we got it on XX/XX/2006 so a new loan number was generated for a total of XXXX. Since than I have settled this debt with XXXX XXXX XXXX. and received Full Reconveyance on XXXX. The first HELOC loan was never given Full Reconveyance for the XXXX since this loan was an increase XXXX XXXX should have closed the first loan account as it generated the other loan account. XXXX XXXX XXXX XXXX. operates as a subsidiary of Ally Financial Inc . I have both loan numbers, the Full Reconveyance on the XXXX and a Title Report.