davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (TX)

I closed my Albert app ( company ) account last XXXX, but the app maintained a nominal {$5.00}, or so, and thus remained active without my knowledge. Suddenly, without warning, in XXXX the app started pulling money from my bank account through ACH transfers. I tried to stop the transfers, but the app refused to let me access this function. To fix this the company asked for my bank account statements and photo ID to verify my identity, which I reluctantly did. I do not have active business with this company ( they've been silent since XXXX ) so I didn't want to resend this same information I sent them last XXXX. After all, if they lost it then, how do I know how secure my info really is? The app shows I have {$25.00} in cash and {$5.00} in savings. All I want to do is close the account, but they refuse to let me. I verified my bank account and ID. They acknowledged it was good and confirmed that I have access to the money, but the app still won't let me close the account. It says the balance must be XXXX first. It won't let me transfer the {$30.00} to my bank unless I verify my identity again and again. I am told to send my photo ID for every task I want to perform and the tasks fail anyway. Each time I complain that the app isn't working they ask for my ID again. They have already attempted to steal {$65.00}, then {$62.00} and then {$65.00} from my bank account, but my bank was successful in getting my money back. All I want is to close this account/app out as they told me they would in XXXX and have them delete my personal bank information. They simply refuse and they continue to harass my bank. Please help me close this down. All communication has been by text, so I have no transcripts. Their phone number is disconnected, so this company appears to be shady.
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

XXXX at Tower loan keeps calling and harassing my husband everyday at work about this loan We have had XXXX  XXXX times so we went in freedom debt to pay them but they refuse too. They need to quit harassing my husband at work the company is Tower Loan XXXX XXXX XXXX  XXXX IS XXXX
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OH)

I leased a XXXX Honda Odyssey from Honda Financial Services. I have sent them a promissory note for ocer of {$43000.00}. Now the company says they habe no record of my note and has not credited my account. I have had to result to pay with federal reserve notes instead. I am asking that since my promissory note was not returned within the alloted amount of time that my account be credited if the promissory note was was deposited and the debt should be dischsrged if the note is not accepted.
Consumer complaint received 2022-09-01
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: Affirm Holdings, Inc (TX)

I am a federally protected consumer and I am concerned that Affirm Inc may be engaging in deceptive behavior and in violation of my rights to privacy by not being in compliance with the Fair Credit Reporting Act. According to the Fair Credit Reporting act 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. According to 15 usc 1681s-3 ( a ) ( 1 ) Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless 15 USC 1681s-3 ( a ) ( 1 ) ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. After revising Affirm Incs privacy policy, Affirm Inc does not allow consumers to limit what is shared when it relates to information about consumers transactions and experiences. Affirm Inc has in fact shared information solely as to transactions and experiences and refuses to allow consumers to limit what is shared. I, the consumer, have never been provided an opportunity to prohibit Affirm Inc from soliciting anything to I, nor have I provided Affirm with direct consent and as a result of their unlawful behavior I have suffered substantial damages. I hereby demand Affirm Inc to remove any and all negative reports being furnished to consumer reporting agencies. Should Affirm fail to follow demands within 30 days from today, I intend to file suit. This is an official notice.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) 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
Consumer complaint received 2022-09-01
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. (FL)

I recently disputed a collections account on that was on all of my credit reports from XXXX, Experian, and XXXX. When I disputed this account with Experian they did not remove this collection from my credit report while the other two credit reporting bureaus had removed this same account. This account was dealt with and removed from my XXXX and XXXX reports but the two times I've disputed attempted to dispute this account with Experian, they have updated it. The first time they changed the dollar amount from {$10000.00} to {$10000.00}, the second time they changed that amount back to {$10000.00}. I did provide them with the updated copies of my credit reports from the other bureaus showing that the account was not on there. As well as providing them with the actual dispute results from both of the other bureaus. They will not let me dispute this account again or provide any other information. They did not investigate this properly.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1881. 

According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Equifax requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DC)

I have been questioning some charges from XXXX, and XXXX without calling me to discuss this once, though I have repeatedly asked them to, reported to the creditors that I was delinquent in paying them. As anyone can see from my credit report, I have very good credit history, I have never once been delinquent in payment to anyone. I would like this report amended as my credit score should not be ruined for daring to dispute or ask for clarification from XXXX over charges. 

Regards, XXXX
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IL)

I was not given the loan terms when I applied for a {$1200.00} loan, then I was charged 653 %. I immediately notified MintoMoney to cancel my loan as I did not agree to the 653 % loan. I was than still forwarded the money after i told them i was not interested. The company began withdrawing money from my account weekly. I tried to ask for a buyout amount and they said i now owe over {$4000.00}. I need help as the company is not harrassing me and calling constantly.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

NMAC still continues to violate my federal rights. They are still contacting me after receiving my cease and desist. They are still collecting payments after not validating this debt. They have still yet to send me an audit trail that I have requested. They are still negatively reporting to consumer reporting agencies after I provided written instructions not to. They threatened to steal my car again.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation (GA)

I received an alert today ( XX/XX/22 ) from my credit monitoring service that Suburban Credit Corp placed an illegal entry on my credit reported without notifying me. According to the The Fair Debt Collection Practices Act, The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : 1.The amount of the debt 2.The name of the original creditor to whom the debt is owed 3. A statement describing your right to dispute the debt I do not owe them any money. I have never spoken with anyone from this company nor have I received any type of documentation from them.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] XXXX I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2022-09-12
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. (AL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX Credit, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # 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
Consumer complaint received 2022-09-12
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. (GA)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying them.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

The company CCS COLLECTIONS, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am a NATURAL PERSON which means my name in ALL CAPS is not me, my name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX & XXXX are assumed to be credit bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that where as the holding or dealing in gold affects the public interest, and therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to acquire payment in gold or a particular kind of coin or currency Every obligation heretofore has or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debt. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report a portion there of in which information on a consumers character, general representation, personal characteristics, or motive living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on our way others with all the is appointed or who may have knowledge concerning any such items of information.
Consumer complaint received 2022-09-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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. (IL)

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR INQUIRIES