davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-10
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)

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.

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 2024-04-30
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: EQUIFAX, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-02
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. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XXXX I sent Equifax, XXXX, XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have the following unauthorized inquiries reporting on my credit report that I would like removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC (CA)

I bought a car I thought on XXXX a 2017 XXXX XXXX XXXX I was then told the deal did NOT go though I did Not sign anything to buy the car the car showed up blocking my driveway AT XXXX  I told transporter I did not want the car and did not sign for it I was told the car in question was sent back to the car dealership I do not have the car and have received XXXX phone calls from Westlake financial telling me they don't care I still have to pay for a car I don't have and never signed for refuse to stop calling XXXX times a day threatening me I have told Westlake to stop calling me call all hours XXXX XXXX  refusing to cancel the deal
Consumer complaint received 2024-06-03
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: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX was uncooperative when attempting to cancel a flight in the amount of {$71.00}. Their policy states a credit will be issued toward future travel in the event a refund is not applicable. This is the resolution I was expecting. I was unable to reach the airline by phone, email, chat, or app in order to cancel a flight. It was not until XXXX hours later that I was able to reach an agent on the phone who told me they did not have the authority to assist with getting a credit for this ticket and they were also not able to escalate the issue. They told me to dispute the charge with my bank to resolve the issue. 

After attempting to dispute with American Express I was told they were unable to open the dispute based on the timeline of the flight and purchase, but that I should be able to apply the value of the unused ticket toward future travel. When I stated that the airline was not providing the credit and ignoring my requests, I was told to continue contacting the airline to resolve the matter. After numerous attempts the airline is ignoring my attempts and refuses to look into the issue. I asked American Express what the next course of action would be if the merchant refuses to speak about the issue in bad faith. I was told there is nothing they can do.
Consumer complaint received 2024-09-02
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC. (PA)

XXXX XXXX, took my info, failed to review or pass it over to underwriting, made me lose multiple opportunities due to not doing her job. She prides herself of her XXXX - XXXX hour turnaround time, it has been nearly XXXX weeks since I engaged her
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

So I had got a cash advance at XXXX XXXX and I bank with capital one the bank agent insured me that I would get my money back then I called back and they said if I sent proof I was gone get my money back for sure when the date get here they denied me and I did a appeal they asked for more documentation and they still denied me I even expressed too they that I wanted some of my money back and not all cause it wouldnt be fair to get it all back and I kept the product and fixing it with my own money but I still would like some of my money out of XXXX I told them could I at least have XXXX back. Ill never bank with they again and I advise everyone never bank with them they suppose to be your bank but didnt even have my back
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2021 {$1.00} XX/XX/2021 {$44.00} XX/XX/2021 {$22.00} XX/XX/2021 {$44.00} XX/XX/2021 {$9.00} XX/XX/2021 {$86.00} XX/XX/2021 {$86.00} XXXX deactivated my previous credit card with new one.
Consumer complaint received 2024-09-01
Product: Credit reporting 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. (FL)

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : I also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NC)

Resurgent Capital and XXXX XXXX XXXX have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Consumer complaint received 2024-05-10
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. (AL)

i was looking over my credit report, and i noticed unauthorized inquires and inaccurate information that i would like removed from credit report. i did not give consent to share my personal information to obtain a car loan, credit card. 
XXXX XXXX XXXX XXXX XXXX XXXX Automotive, XXXX XXXX XXXX AutomotiveXXXX XXXX XXXX XXXX XXXX : XXXX XXXX Banking : XXXX XXXX Finance : XXXX  XXXX XXXX : XXXX  XXXX XXXX  XXXX FinanceXXXX  XXXX Finance : XXXX XXXX XXXX Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX Finance XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX FinanceXXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXXXXXX Finance XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records.It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent 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
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My student loans were transferred from XXXX to another servicer, XXXX. Experian still reports the XXXX loans, and added the XXXX ones, thus doubling my reported debt. I submitted a claim that this was the case, but it was extremely obtuse. They only let me submit a claim for one of the loans ( the student loans are made up of multiple loans, taken out each year of XXXX XXXX  ), the investigation took months, and though it was eventually marked as " closed, '' there was no change that I can see -- they still report the disputed XXXX loan with exactly the same amount as a XXXX, because they are the same loan, only service was transferred. Experian still reports my student loan debt as twice what it actually is, because they do not ( and apparently will not ) remove the old, defunct XXXX loans.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Tuesday, XX/XX/XXXX I received a text message alert from Capital One Bank stating that I was trying to make a {$950.00} purchase was that me or was it an authorized purchase? I replied no and then I called the number provided in the text. Upon calling I found out that there were several transactions that I had not completed/authorized. I immediately filed a dispute and while I was on the phone with the representative, I noticed that my wallet was in fact missing. I informed him at that time that my wallet was missing, however I did remember that I stupidly wrote the pin number on the sleeve that it came in. He said no worries and filed the dispute for me. There was XXXX more transaction in pending I was advised that I had to wait for that XXXX to clear before I could file that transaction as a dispute as well. I called back on Friday XX/XX/XXXX and filed that one as well. 

On Thursday XX/XX/XXXX I called back to get an update. I was informed that my claim had been denied. I asked why and was told something about the card was in my possession. I spoke with several employees trying to get a clearer understanding of what was going on. XXXX told me that the claim was denied and there was nothing I could do about it. I am literally on the phone in tears because I need my money to pay my bills. I called back and another representative gave me the email to send my police report. I called back and finally asked for a Supervisor. She informed me that the original person who filed my claim said that I had that debit card. I said no ma'am I did not and if that was the case why did he XXXX XXXX  me a card that I received in XXXX days. She did apologize and stated that she was reopening the case to include that information. I told her to pull the call because I clearly did not tell him that. I also stated that I felt the issue should be expedited because that was an error on the part of Capital One not me, because he put the wrong info. I sent in the police report and I have done what I need to do on my end. 

All I want is my money. That was {$2400.00} that I worked hard for and I need. Capital One does not want to assist me and they are giving me the run around.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I called Bank of America to get a payoff amount for my auto loan. The payoff amount was around {$52000.00} and due XX/XX/XXXX. I went to XXXX XXXX and got certified funds to pay Bank of America off. The XXXX representative made me endorse the check before I left the bank. The date of the certified funds was XX/XX/XXXX. I immediately mailed the check to Bank of America. A few weeks later Bank Of America mailed the check back informing me the check was not endorsed correctly. The check was endorsed correctly. Instead of mailing the check back I went into a Bank of AmericaXXXX branch and paid off the auto loan. Because the check was received after XX/XX/XXXX, {$140.00} interest has accrued. I paid the loan off in time. This was a bank error. I have called the Bank of America XXXX XXXX department with no relief. I have went into a physical branch with no relief. Nobody seems to know how to help me. I think this is another tactic Bank of America uses to get fees illegally from its customer.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASTA FUNDING INC. (CT)

I have been being contacted recently by Palisades Collection Agency for a debt from before XXXX. I don't know who the original debt was for, but it seems as though the amount was {$3200.00}. They have recently sent me a Notice to Appear with no actual appearance date on it. When I look up the docket number, there seems so be a whole bunch of motions from XXXX to XXXX that i know nothing about. It says they tried to take money from my bank account, but never did. It says they tried to garnish my wages, but never did. I don't remember any of these attempts as I was never notified about them. I don't know what this debt is or how they can still be trying to sue me over 13 years later. Isn't is illegal to try and take legal action after the statute of limitations is up? They call me repeatedly everyday, but I do not answer, because I don't want to be bullied or harassed for a debt more than 13 years old. This debt doesn't even appear on my credit report.