davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (NC)

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 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 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC (GA)

Hi, I was a recent customer of First American Title Lending Company on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX for over a year now up until the end of XXXX. We were making arrangements for me to become current on my account. I was told that I had a grievance for a few months ( credited as hardship ) they were fully aware that the car needed repairs and I was trying to work my payments out with them and still be able to get my car fixed. I made my payment on XX/XX/XXXX and someone from their company came and took the car on XX/XX/XXXX from over my aunt house without evening mentioning who they were or that they were from the title lending company. My aunt assume it was a mechanic that picked it up. They even damaged her driveway as they left her place. I asked her how he looked and realized that this guy was in her driveway the week prior to going through the car. A few days later I noticed a charge on my credit card where someone attempted to pay their utility bill in XXXX, Ga online using my routing and account number. I have my check books and bank information in the car and immediately called them to see if I can get my personal belongings out the car, they advised me I can do that but would have to speak with a manager. The manager never called me back, so I stopped by their office, and they advised me to come back around XXXXXXXX XXXX the next morning. I stopped by their today XX/XX/XXXX and XXXX XXXX told me to speak with " XXXX XXXX '' but she was not there and should arrive in 30 minutes. I came back and XXXX XXXX said that " XXXX XXXX '' still not in the office. I really need to get my personal items out of the car, there is someone at this company using my information to purchase items and pay bills online.
Consumer complaint received 2023-09-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (WI)

In XXXX of XXXX I disputed a collection account with Experian. Experian did not send any correspondence assuring there would be an investigation. Experian ignored 2 Letter sent on my behalf. More than 60 days passed. In the second letter I asked them to delete the collection titled XXXX XXXX XXXX  The amount is {$4100.00} per FCRA law this is a violation. As of XX/XX/XXXX that item is still on my credit report. Im asking for help in resolving this matter.
Consumer complaint received 2023-06-05
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. (WI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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 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 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
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ARVEST BANK GROUP, INC. (OK)

In less than 3 hours, I have received over 25 calls from different phone numbers all from Central Mortgage company. I did not request information. They have refused to stop calling me. I have blocked all numbers that have called me. I have both denied calls and answered calls asking them to please take me off their call list.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I became aware that my personal information had been compromised and used without my authorization. As a result, I have identified several unauthorized accounts and fraudulent transactions linked to my identity. 

To assist in resolving this issue, I have taken the following steps : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained a copy of the Identity Theft Report. 
Filed a police report with my local law enforcement agency Placed a fraud alert on my credit reports with the major credit bureaus.
Consumer complaint received 2023-10-20
Product: Credit 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. (CA)

Called in XXXX fraudulent charges immediately on XX/XX/2023. Total fraudulent charges from " XXXX XXXX '' totaled {$500.00}. The credit card company only took action on charges ( 3 ) charges totaling {$62.00}. I've called and reported the other ( 8 ) charges totaling {$440.00}.
Consumer complaint received 2023-06-05
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-16
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. (MD)

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (WI)

Account XXXX Upon review of my credit report, I notice that I had 2 new medical collections on my report, One, I recognized, the other, I did not. The collection agency, Paramount Recovery Systems, failed to send me a notice of debt on either collections, giving me the opportunity to dispute the validity of the debt before placing it on my credit report. My credit report states that this account had opened on XX/XX/XXXX. I had not received any services rendered from the original creditor, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX XXXX I reached out to the original creditor to verify this account and they could not verify nor validate that I was rendered services as reported on my credit report. I also contacted the collection agency, in which I could not confirm nor verify because they did not want confirm the record of services rendered. I am not sure if this is just a duplicate account or a case of Identity theft. I am currently in dispute with bureaus. I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with PARAMOUNT RECOVERY SYS, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a third section 609 dispute letter to Transunion on XX/XX/2023 for XXXX accounts, " XXXX XXXX XXXX. ", " XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & " XXXX XXXX ''. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Once again, it has been way over 30 days for this third letter with no response. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I received an email on XXXX stating that my Chime checking account was placed on hold. I emailed that back a couple of days later to see what I needed to provide to get my account unlocked. I didn't receive an email back till almost a week later asking for documents like proof of address, ID and statement for the incoming deposits. I get direct deposit from my employer into my account as well as my XXXX that I have open as well. I also get deposits from friends and families when they XXXX XXXX me. I provided all documents Chime had requested. I kept getting the same email over and over asking for the same documents and that they're sorry they couldn't complete the verification. I have called customer support and all they could do for me is " escalate '' the ticket and to wait 24 hours. I have given them plenty of time to verify my identity. I have rent this week and my employer had already submitted payroll this Wednesday so I was not able to cancel my direct deposit for this payroll. She had also messaged me this morning and told me that the direct deposit went through when the representative I spoke to at Chime said that " Since your account is on hold, any incoming deposits will be returned to the issuer in 1-3 days. ". Then why did my employer say it went through? I'm highly dissatisfied with Chime and their customer support. I can't access my funds I've worked for to pay for rent and will be evicted soon if I do not pay. How can I do that if my funds are stuck in an account that Chime refuses to unlock even though I've given the proper documents they've asked for. This is outrageous.
Consumer complaint received 2023-06-05
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

After reviewing my credit reports I believe I have become a victim of identity theft. Many accounts were established in my name without my permission or consent. Please be reminded that the FCRA Section 605 ( B ) states that any fraudulent accounts that resulted from identity theft shall be blocked in a certain time frame. Also, the Fair Credit Reporting Act states that it's important for credit reporting agencies to maintain accurate information on credit reports. I am writing this letter to remove any fraudulent accounts that don't belong to me. I have provided you with a police report and Federal Trade Commission Identity Theft Report detailing the crime. I have been working with the police and I have hired an attorney as well as a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be removed from my credit profile immediately. Experian, XXXX and XXXX are practicing willful negligence and unethical verification of fraudulent information of my credit report by not complying with the FCRA.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reviewed my consumer report and there is information reporting that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. I understand that you have the authority to decline or resend the information. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. If you believe I obtain procession of goods and services, I need a senior executive member of the company to put it on an affidavit signed under penalty and perjury notarized. This is causing me extreme stress and allowing me to live my life due to fraudulent reporting. Please tell me your method of verifying this fraudulent information!
Consumer complaint received 2023-06-05
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)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-08-27
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. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-06-05
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. (IL)

These items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (AR)

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-05-27
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)

I disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus XXXX and Transunion responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this report.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Shop Your Own Corp (CA)

SYOM ( Shop Your Own Mortgage ). Owner XXXX XXXX Solicited short term bridge loan investments via e-mail and text.. Asked for myself and many others to wire funds to the SYOM Chase account.. I sent over {>= $1,000,000}. In exchange he would return the $ with interest in XXXX XXXX 

Once the term expired XXXX fled the country and has not paid anyone back.. you can google XXXX XXXX XXXX XXXX some of the XXXX New article mentioning the same Scam.. 

XXXX XXXX is a XXXX Scammer.. He has since fled the country reportedly and is not making efforts to pay anyone back.