davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-17
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. (CA)

TransUnion is reporting a tax lien that fails to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XX/XX/XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.
Consumer complaint received 2017-09-17
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. (OK)

I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.
Consumer complaint received 2017-09-17
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)

on XX/XX/2017 I sent XXXX, transunion, XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX, transunion, XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Consumer complaint received 2024-09-23
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)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

X/XX/2017 I tried to initiate a credit freeze with Experian following the XXXX data breach. Experian took all of my personal info online, including SSN and credit card info. Then I received a default error message that I would have to mail in my request : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' The info I entered was correct. I did it twice. I had just used the same info for a security freeze with XXXX. 

I tried calling, and got a recording saying to call 'during regular business hours. ' There is a huge customer need to do a security freeze, and Experian is impeding this. Clearly, the online Security Freeze is not working. Others are reporting the same issue online. Is Experian really taking calls 'during regular business hours ' from a few 100K people? This is shameful. It leaves me vulnerable due to Experian 's intentional neglect and willful inaccesibility.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

Lessee wishes to file complaint against lessor Ally XXXX. XXXX XXXX XXXX, MN XXXX regarding a leased XXXX XXXX XXXX. Lessee had vehicle detailed professionally which included removal of all minor dents and scratches. This process involved an insurance claim. Work was performed by a professional collision shop. Vehicle was turned in at leasing dealership onXX/XX/XXXX and the odometer read XXXX. The allowed extra mileage purchased was XXXX. The dealership confirmed it was in excellent condition and ally offered me to purchase for {$10000.00}. I took photos of the vehicle and turned it in. OnXX/XX/XXXX Ally hired inviso to perform a vehicle inspection. The inspection company took photos of the vehicle. They took a picture of a clean seat and cited it was soiled. A photo of the front of the vehicle exhibits a clean reflective scene of the pavement. They cited the '' front bumper had previous repairwork which was ok '' but claimed hood dents and chips but give no photo evidence. The front has never had collision repairs. They cited " rear bumper scuffed entire ''. Photo shows a flawless finish and no visible damage. " Decklid previous repair ok. The decklid has never been damaged or repaired. Lessee contends the vehicle inspection was done errorniously. OnXX/XX/XXXXAlly sent a letter asking me to sign an odometer statement and billed me for {$200.00} citing on this inspection " the left quarter panel had previous poor repairs and has orange peeling ''. The left quarter panel has never been damaged and the inspection photo does not exhibit any visible damage. I immediately contacted Ally to dispute the inspection and the billed charge. I discussed the lessee rights per the lease to allow for an independent inspection however I was informed by Ally that they sold the vehicle at wholesale auction for {$7700.00} immediately after the inspection. I explained should there be any alleged damage or flaw in the vehicle I would have had the collision repair shop that detailed it to fix it as they guarantee they 're work. I argued with Ally that know reputable body shop is going to leave some type of orange scratch or clearcoat peeling on a vehicle-nor would the insurance company allow for any inferior repair work. It makes no sense and I felt the inspector made an error in judgement or since they photo shows no close up or visible issue that they companies were acting in bad faith. The inspection and subsequent charges are false and frivolous. Ally could not provide proof of any repairs made. Ally has informed me via telephone they stand by the charge. They only charge to me is for the alleged quarter panel however the inspection cites charges for the rear bumper and hood however their own photos show no proof of any type of issue.
Consumer complaint received 2017-09-17
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: Experian Information Solutions Inc. (ND)

I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017
Consumer complaint received 2017-09-17
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. (CA)

The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
Consumer complaint received 2017-09-17
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: EQUIFAX, INC. (OK)

I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.
Consumer complaint received 2017-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you
Consumer complaint received 2017-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.
Consumer complaint received 2017-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, thank you. ''
Consumer complaint received 2017-09-16
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. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-08-28
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. (MD)

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 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NH)

My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.
Consumer complaint received 2017-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Today, my husband and I received a notice from our bank we were overdrawn, since we were paid 24hrs ago we logged onto our online bank to see that there was an {$18000.00} withdrawal. We called our bank, they said midland credit management took our money. We immediately froze our account and called this company. We of course refused to give our SS #. Which they were very upset about. After some digging, our names are not on their list of people that owe them . So I demand to speak to a manager to which I 'm told no they are busy and I 'm hung up on. Every attempt to call back is unresolved. Each dept I reach says hey ca n't help us. We want to know why they took our money when we are n't in debt, not are we involved with any debt collectors as we are current on any debt we have
Consumer complaint received 2017-09-16
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. (GA)

I sent a HIPAA Validation letter to XXXX XXXX on XX/XX/XXXX it was certified mail and it was received on XX/XX/XXXX this agency has reported a medical debt of {$800.00} for a service date of XX/XX/XXXX this is what is reported on my Experian credit report. I waited 30 days for a response from this creditor and I never received one. On XX/XX/XXXX I sent a dispute letter to Experian informing them that I had sent a HIPAA Validation letter to the above creditor. In this letter I questioned Experian 's reporting of this medical bill on my report as verified since I reached out to the creditor and I have never received a medical bill from them. I requested that Experian remove the negative reporting as proper validation, verification or a bill was ever received by me, I still do not and have not received a medical bill from this creditor. I received a letter from Experian dated XX/XX/XXXX in regards to this medical debt stating that they have processed my dispute and the credit grantor has verified its accuracy. However, Experian did not provide me with proof of such verification. Please find attached below a copy of the certified mail receipt as well as the original letter I sent the credit grantor in regards to this debt
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (VA)

This is against global credit collection corp I have seen where they are scammers and been in law suits i hsvent read anything good about em they collect for XXXX XXXX when I read all the complaints I hate I gave them information agread to the payment they wanted me to pay well now they have had me over drawed twice one time it was XXXX then XXXX when I called them to explain I 'm was sorry the money was n't there I had unexpected bills they knew I was on a fixed income they should have took it out sooner they wanted to know if I could pay how could I when I had no money in the bank telling me they would report this they have been call-in and call-in and I have never heard of s collection agent taking XXXX out every time for the draft where and who was that goin to I have never had that happen charge everytime they set what they want u to pay not what u can afford they should work with u I have health problems I do n't need to be harrised by call-in it 's XXXX owed to them they have got enough out of me that I 've paid I wish this could be written off I hope this get resolved and they do n't start by threating me they are doin this or that and I 'm worried will they keep taking money out when it 's none there until I get paid again it 's not my fault if I have to pay they need to work with me and understand I 'm afraid could they freeze my checking account until they get there money if u all could help with this it would help me out I also told them to stop taking money out cause they was over draw in me thank