davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldridge Pite, LLP (GA)

THIS IS NOT A DUPLICATE! 


I AM WRITING IN REGARDS TO COMPLAINT XXXX FILED UNDER MY WIFE XXXX XXXX WITH THE CFPB . PLEASE NOTE THE REASON WHY I AM ILING THIS COMPLAINT UNDER MY NAME IS BECAUSE THE CFPB PORTAL WILL NOT ALLOW MY WIFE TO PROIVDE AN OVERVIEW OF THE DESCRIPTION OF THE COMPLIANT. THE BOX WHICH ALLOWS ME TO PROVIDE THEIS INFORMATION WITHIN HER PORTAL WILL NOT OPEN UP. IT ; S AS IF SOMEONE MAY BE TAMPERING PREVENTING HER FROM ENTERING THE COMPLAINT. 

WE ARE WRITING IN REGARDS TO ALDRIDGE ITE LLC. WHO WAS OBTAINED BY XXXX BANK TO FORECLOSE ON XXXX XXXX XXXX XXXX, XXXX GEORGIA. MY WIFE DID CONTACT AP ONTODAY REGARDING THE LETTER DATED XXXX WHICH WAS RECEIVED TODAY, HOWEVER WE RECEIVED A LETTER FROM AP DATED XXXX ON ABOUT XXXX. 

AN UPDATE WS PROVIDED TO BOTH ENTITIES, ALDRIDGE PITE LLP INFORMD ME TO CONTACT XXXX, BUT THEY ARE THE LEGAL COUNSEL FOR XXXX XXXX XXXX. XXXX CONTACTED XXXX XXXX XXXX AND PROVIDED AN OVERVIEW AGAIN AND THEY WERE ONLY CONCERNED WITH GETTING THEIR HANDS ON ALL OF THE INFORMATION SUBMITTED TO FEDERAL DEPARTMENTS. AGAIN, IT IS VERY OBVIOUS XXXX BANK IS ATTEMPTING TO STAY AHEAD OF THIS CASE AND COVER THIER LIES AS THEY NORMALLY ATTEMPT TO DO. 

I INFORMED XXXX AND XXXX XXXX  TO CONTACT THE US ATTORNEY GENERALS OFFICE IS THEY ARE IN NEED OF SUBMITTED DOCUMENTS. BOTH XXXX AND ALDRIDGE PITE XXXX MADE IT VERY CLEAR ALL DOCUMENTS NEEDED TO BE SENT TO THEM DIRECTLY, I INFORMED XXXX XXXX TO INFORM XXXX BANK TO MEET OUR DEMANDS BECAUSE IF WE GO TO COURT IT WILL NOT WORK TO THEIR BENEFIT. 

AM INDIVIDUAL NAME XXXX XXXX XXXX CONTACTED MY WIFE INQUIRING WHETHER OR NOT WE RECEIVED XXXX FROM A FORECLOSURE OF XXXX XXXX XXXX. XXXX GA XXXX. HE WAS INFROMED IT WAS NOT A FORCLOSURE THE HOME XXXX STOLEN BY THE US BRC TRUSTEE, WE ALREADY KNEW WHAT WAS TAKEN PLACE VIA THIS INDIVIUDALS CONTACT. ALDRIGE PITE WAS REPRESENTING XXXX MORTGAGE AND XXXX FOR XXXX XXXX WALK NAD LIED AND STATED IT WAS ABANDOND, WE ARE DISPUTING THE LOAN, MONEY AND ALL. EVERY KNOWS THIS IS FRAUD. SEE ATTACHED DOCUMENTS AND THE SICK RELATIONSHIPS. STRAIGHT RETIALTION BASED ON PREVIOUS REPORTS.
Consumer complaint received 2023-04-12
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. (NC)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (NY)

Credit Card Accountability Responsibility and Disclosure Act of 2009. American Express willfully did not provide my credit limit to further undermine my credit score. I had a limitless credit Limit but only spend {$500.00} at a time then they addresses unnecessary late feels {$450.00} and I wan never late.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wasn't aware that my credit wasn't frozen until I had to apply for some credit and then unfreeze my credit. Several times I checked and it keep saying not frozen and company 's were able to check my credit without me having to unfreeze it. I went some years thinking that my credit was frozen and it wasn't. If company 's are able to check without me saying it, how many people have used or able to get into my account without me knowing. I don't feel safe anymore.
Consumer complaint received 2023-12-25
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. (MA)

inproper use of my credit dont recognize accounts voilation 15 USC 1681 B pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Consumer complaint received 2023-12-25
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)

TransUnion, XXXX and XXXX do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

I had a dispute that was taken care of and credited to me on the XXXX of XXXXThen less than 8 hours someone hacked my account again and I disputed it on XXXX the XXXX for $ XXXXThey said they couldnt find anything wrong.
Consumer complaint received 2024-04-22
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2023-12-25
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. (OK)

Someone opened this XXXX XXXX account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.
Consumer complaint received 2023-12-25
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. (TX)

sent out letters to original finance company they received it on XX/XX/23 and no response at all from company. Sent a letter to credit bureaus for the removal of the account for non-compliance and all three bureaus sent verification letters back. How and with who if original creditor never responded to the letter from me personally that they signed for.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (FL)

I have paid my final balance with XXXX XXXX  and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In XX/XX/XXXX I had went to search for a vehicle that would be reliable and just in a certain price range that I would be able to afford. I came across a car lot just off of XXXX at the XXXX XXXX XXXX XXXX There was a XXXX XXXX XXXX that was just within my budget priced at {$11000.00} which with payments I felt confident to be able to pay off within a reasonable time. I came back to the lot the next day and traded in my XXXX XXXX towards the total and spent the whole day with a gentleman at a desk to cover the contract for the XXXX. Everything seemed to make sense and I signed the contract and made several months worth of payments that were around {$400.00}. One day I wanted to inquire about what I still owed on the XXXX so I called the credit acceptance company and asked what the amount I still owed was at and I was told that I owed around {$34000.00}. At that point I thought there must be some sort of confusion and that they had pulled up the wrong account. When I spent a whole business day with the gentleman in the lot to cover the contract, I had asked him 20-40 times throughout the discussion of the contract if there were anything on each page worded to change the overall price or finance of the XXXX in which every time he assured me no not at all sir this vehicle is {$11000.00}. Once realizing that I had been scammed and had taken a loan that I would actually not be able to afford I surrendered the XXXX and had lost my means of transportation. On top of that they sued me in court immediately and my credit has been ruined since XXXX. I am currently still on a homeless veterans program to assist with my living situation and to this day, even though I am permanently and totally XXXX through the VA from a service connected injury I still can not be approved for a home loan to provide for me, my wife and XXXX children. The account sits at {$11000.00} today and is preventing me from moving forward in getting my home loan through XXXX XXXX. I would have never agreed to anything that would have caused my life to collapse this way and at that time exceeded my budget so greatly. When I went back to the dealership to ask questions about what had happened they were no longer a car lot and the business was now an audio shop. I need help, thanks.
Consumer complaint received 2023-09-25
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP (IN)

I opened and funded a high interest savings account with Valley Direct. They have been advertising all over the place with 5.25 % interest rate. 
The disclosure states, " As of XX/XX/2023 interest rates are 5.25 % '' I opened my savings account on XX/XX/2023, check the account and it states that the interest rate is 5.115 % I called to inquire and all they had to say was that rates change and I know this, but they have currents ads stating 5.25 %. Several banks offer this rate, but now my money is tied up here.
Consumer complaint received 2023-08-07
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. (NV)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 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. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-04-22
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. (MD)

Credit Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

I went to inquire about at apartment a while ago in XXXX XXXX XXXX I never signed a lease agreement or anything so about 3 months back I get a bill in the mail for {$11000.00} at XXXX XXXX for XXXX XXXX XXXX but I never stayed there and then the damage went to my credit for collections.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX and that I have paid XXXXXXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXXXXXX XXXX XXXX, and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXXXXXX XXXX XXXX wrongfully and repeatedly credit reports to TransUnion that there is a due balance of {$47.00} still due. I have disputed this with TransUnion and the other credit reporting bureaus several times and this unjust behavior of XXXXXXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, XXXX of my credit scores dropped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2023-12-25
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-10-31
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-22
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. (LA)

Upon reviewing my TransUnion and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-12-25
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. (MI)

XXXX XXXX XXXX  Account Number XXXX ..., XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX ..., and XXXX XXXX Account Number XXXX ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX . Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.
Consumer complaint received 2023-08-07
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. (NY)

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rig

hts. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-25
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. (NV)

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, 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 2024-04-22
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. (FL)

XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXXXXXX nor XXXX FOR ANY DEBT.