davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I recently requested my credit report from all three credit bureaus. I noticed that credit acceptance has repeatedly accessed my credit report without my consent once again the company name is Credit acceptance I am including a screenshot of my XXXX credit report which shows Credit acceptance use deceptive business practice I have never heard of this company nor have I ever did business with this company other than looking at my credit report and seeing the numerous hard inquiries I am including a screenshot showing the illegal access to my credit report which is harming my personal life and putting me in hardships as I am being turned down for new credit opportunities. I'm including a screenshot of my credit report showing these illegal tactics used by this company credit acceptance
Consumer complaint received 2023-12-20
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. ()

I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application. 

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT. 

ATTACHED YOU FIND A COPY OF MY STATEMENT.
Consumer complaint received 2023-11-08
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
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. (AZ)

On XX/XX/23 I sent a certified letter to TransUnion.Commission File Number XXXX XXXX XXXX XXXX XXXX, Illinois on the removal of of hard inquires on my credit report in accordance to 15 U.S.C. 6802-6805 Gramm-Leach-Bliley Act ( GLBA ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Recovery Systems, Inc. (NY)

On XXXX XXXX  I began receiving text messages from a company who described themselves as XXXX, debt collector. They included a reference to an account number and told me I had a balance of {$270.00}. 

It didn't seem credible, so I ignored it. Then on XX/XX/XXXX i received the same text again. Within the last week, the texts started again on XXXX XXXX XXXX XXXX  and today, XX/XX/XXXX. 

They included a phone number XXXX as well as an email address of paycapitalnow.com I googled both but couldn't tell for sure whether it was real. I felt hesitant to reach out directly so first contacted CFPB for advice. They gave me useful info, so I called the number. The person who answered pretended to be a debt collection company but I asked for their license number and he immediately hung up. This makes me feel pretty certain it's a scam. It seems like they're trying to pretend to be another company that is legit.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (OK)

A debt was listed on my credit report that I did not recognize. It is from the collection agency, Southwest Recovery Services. They claim that someone using my name and information applied for credit at XXXX XXXX XXXX XXXX XXXX XXXX in Texas on XX/XX/XXXX According to the credit report, the amount owed is {$1400.00}. I did not open this account. I live in Oklahoma. On XX/XX/XXXX XXXX I was XXXX XXXX at XXXX XXXX XXXX in XXXX, OK. I couldn't have been in Texas to open this account. I have NO email verification from this company, and I haven't received any mail regarding this debt to date. 
I have tried to contact Southwest Recovery Services to discuss this, but my calls go straight to voicemail. I left my contact information on voicemail, and they haven't returned my calls. 
I have contacted XXXX and XXXX to report my stolen identity. XXXX recommended that I report this at FTC.gov.
Consumer complaint received 2023-12-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXX XXXX  {$340.00} XXXX noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Opened a new checking account with Chase on XX/XX/XXXX I had paid off my overdraft fee and deposited around {$1000.00} only for my account to close down and now I am unable to get my money back unless the check is verified. I have given Chase all the possible ways to verify the check with the company but they did not accept it. It has now been a little over 3 months and still has not been verified.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A payment was made to prevent delinquency of 30 days by XX/XX/XXXX PER XXXX SUPERVISOR. That payment was made with XXXX  XXXX  # XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from con # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted XXXX  speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from XXXX  # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.
Consumer complaint received 2023-08-29
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. (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. 

has violated my rights. Or list of inquiries 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 2023-12-20
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. (VA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

On XXXX XXXX I made a {$200.00} payment to Destiny Credit Card online amount for the month was {$89.00}. The payment posted from my bank on XXXX XXXX As of today my available credit is not reflected on my account. 
After calling credit company several times, I was inform that the company has the discrepancy to HOLD my payment for 14 days if they chose to for NO REASON. 
Can the card company do this with out giving a customer a valid reason? 

Also would like to know WHY my account is overdraw by {$21.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.
Consumer complaint received 2023-12-20
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)

THIS A FOLLOW UP. THE LETTER HAS FTC REPORT ATTACHED. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXXXXXX 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 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I made a payment XX/XX/XXXX for my XXXX payment and capital one walmart credit card said they can't change the date and wanted the minimum payment of {$28.00} for XXXX payment. They received XXXX XX/XX/XXXX for the XXXX payment. I want my payment applied correctly I should not be penalized for paying early.
Consumer complaint received 2023-12-20
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. (VA)

Upon checking my Transunion credit report, I found a hard inquiry from a company that I did not recognize. 

XXXX XXXX XXXX XX/XX/2023 I called Transunion to have it removed, as this is affecting my credit score negatively and impacting my young family 's ability to grow financially. I was told by the Transunion representative that I would have to submit a written request to the company asking for documentation directed to Transunion to remove the inquiry. Imagine that. A company you don't know and never contacted, pulls your information from a bureau ( only Transunion for that matter ) without your consent, Transunion gives them your personal info without your consent, and then demands you to request documentation to rectify the issue they created by illegally giving out your information in the first place. Absolutely ludicrous!
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2023 XXXX I tried logging onto the website for Nissan to make my payment the way that I have every month, which is also stated in my contract as a way to pay my loans. It has an error message stating that the site is under maintenance and try again later. I contact Nissan customer service on XX/XX/2023 to inquire about making a payment and was told my only options were to either pay by phone or by mail with check, money order or cashier 's check. I asked about making a payment over the phone and the representative stated that there would be a {$3.00} convenience fee for phone payments. I asked why this fee could not be waived since it is their issue with the site. All I was told is that I'm not due until XXXX and I told her I understand but I also like to keep my payments one month ahead. I explained that I am not wanting to wait until XXXX to make the payment due to the added interest every month. The representative pretty much told me they would not waive the fee. To me this is not right as a consumer it is not my issue that the site is down. I believe this is a way for nissan to gain extra fees for online payments or even sending in checks it takes XXXX days to post so that is also causing the customer to have the additional fees added to their accounts. This is unacceptable as my contact states that I do have ways to pay and since all those options are not available I should not have to pay additional fees for my method of payment.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-05-03
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. (AL)

Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These debts are violating my rights
Consumer complaint received 2023-12-20
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. (TX)

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX XXXX  XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX This account is not accurate. Please delete it.XXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.