davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (PA)

I was not aware of a collection on my reports and I sent a dispute to the consumer reporting agencies in order to get this information removed as I was not properly notified of said account. I sent the notice back in XXXX and I havent gotten any investigation results. The FCRA says that at maximum they have 45 days to conduct an investigation, however its been over 45 days since I sent my dispute
Consumer complaint received 2024-05-29
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)

XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX  XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (NC)

I, the consumer, sent a letter on to the each of the credit reporting agencies XXXX XX/XX/2023, XXXX- XX/XX/2023 and Equifax- XX/XX/2023 , requesting removal of inquiries and requesting all accounts be updated due to improper reporting based on the Privacy Act of 1974, CFR guidelines regarding disclosure of nonpublic personal information to nonaffiliated third parties ( credit reporting agencies ) and partial opt out. They have not responded to my correspondence nor have they updated my tradelines on my credit reports.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WI)

I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc . 

This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX. 
The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter. 

I contacted the financial institution once again today to ask where my Title and Lien Release are. 

They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me. 
The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made. 

I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account. 
They checked electronically as well and did not have anything there either. 

Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me. 

I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk. 

The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio. 

I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process. 

I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution. 

I may have to ask for a court ordered title at this point
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PR)

I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.
Consumer complaint received 2024-05-29
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 my phone was stolen from a restaurant. I tracked my phone found it was in XXXX. The next day I put my phone on a freeze with XXXX so it couldn't be used. I was without a phone for a few weeks. I then purchased a new phone kept same phone number. Everything from old phone transferred to new phone. I was unable to receive phone calls. I thought is was a phone issue contact and made claims with version. Turnout phone was hacked and they call forwarded all my calls to the " hacker ''. I was unaware of how many calls went through. On XX/XX/2023 my savings account was emptied, leaving me a ZERO balance. I contacted the bank and they stated it was a withdrawal to XXXX which it was not authorized by me. They stated they followed procedure to authorize the transaction. It was not ME as my calls were forwarded to the " hacker ''. I filed a fraud complaint with Bank of America and went down to the bank in person to provide my ID, bank info etc. I gave them everything they asked for. I also filed a fraud complaint with XXXX. The bank sent me a letter stating my claim was denied. 
I am a college student working 2 jobs. I need to have this money returned to me ASAP. 
Please assist me. I will provide anything you need. The name that was associated to the withdrawal was XXXX XXXX. no phone or email attached.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. TRANSUNION DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX CREDIT CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS TRANSUNION IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A XXXX-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXXXXXX and XXXX ( Now it was changed to XXXX ) ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire and debit card, and through intermediaries named XXXX and XXXX in the total amount of XXXX USD. 
( Full details is in the attached file )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), A collection Account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and A personal loan Account opened at XXXX on XX/XX/XXXX under the account number XXXX and personal loan Account opened at XXXX on XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2024-05-29
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. (IL)

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 2023-09-18
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: Experian Information Solutions Inc. (FL)

I went into their business thinking I was going to get a car same day and only have my credit run once. I even asked the sales person XXXX if they were going to run my credit once and he said yes they have an in house finance person and my credit will only be ran once. They ended up running my credit twice and then tried to send me to a credit union to have it ran once again! I tried to dispute them but the lady from Experian told me to ask the company for a letter stating that we are not going through with the vehicle purchase and to pull the report/inquiry that they did but they are not cooperating and refusing to send it to me so I can have it disputed. All in all I just feel scammed, they did not communicate well with me at all and pulled all the strings behind the scenes and tried to get me to pay wayyy more and have my credit run multiple times when they guaranteed me otherwise
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Consumer complaint received 2023-10-21
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. (SC)

This is my 14th 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, block 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
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-29
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)

I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : 1 ) XXXXt ( XXXX XXXX ) XXXX {$15000.00} 2 ) XXXX XXXX XXXX XXXX {$2900.00} 3 ) XXXX XXXX XXXX {$3800.00} 4 ) XXXX XXXX XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.
Consumer complaint received 2024-05-13
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (CA)

Experian is furnishing inaccurate information on my credit report which is causing harm to my personal life. As of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are XXXX fraudulent/unauthorized inquires listed. 
As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX is furnishing a fraudulent/unauthorized inquiry on my report that was made on the same day as the XXXX - XX/XX/XXXX inquiry. 

The inquiry from XXXX XXXX XXXX XXXX is fraud. These XXXX inquiries showed up at the same time and were not authorized by me. 

I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian or XXXX written consent to furnish this information. 
This is a violation of 15 USC and the Fair Credit Reporting Act. Both my consumer and privacy rights are being violated. 

Please remove the above mentioned inquiries. It is Experian and XXXX 's duty to accurately report information and as of now they are not doing that. I look forward to Experian and XXXX resolving this matter with this communication. Should they choose to be willfully neglectful as it pertains to my file I will file a dispute against them in small claims court seeking remedy for said violations.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XX/XX/2023, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.