davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (FL)

1 am not liable for this debt with XXXX XXXX and XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested
Consumer complaint received 2023-12-26
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2023-10-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALCHRO INC. (FL)

FIRST FEDERAL CREDIT COLLECTIONS has violated Federal laws concerning the use of private information, FIRST FEDERAL CREDIT COLLECTIONS is reporting a medical debt on consumers ' reports, Requesting validation of how the consumer is responsible for paying this ALEDDGED debt and how consumer private information was obtained. 

If FIRST FEDERAL CREDIT COLLECTIONS isn't able to provide said items, negative accounts must be removed immediately according to FDCPA Because this has been an ongoing issue, consumer is advising FIRST FEDERAL CREDIT COLLECTIONS HAVE 3 DAYS TO REMOVE DEBT. 

Consumer has attempted to resolve this matter for several months, I will be filing form 211 treasury omb forms to audit consumer account.
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. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX & XXXX : Account Number XXXX XXXX Account Name : XXXX, XXXX & XXXX : Account Number XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-06-16
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: Amsher Collection Services, Inc. (NY)

In accordance with the Fair Credit Report Act XXXX Account : AMSHER COLLECTION SE, 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 an account without my written instructions.
Consumer complaint received 2023-12-22
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. (TX)

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the date last active which is a violation of the FCRA. All data furnished should be consistent and accurately reporting. There should not be XXXX different dates reporting to both XXXX and Transunion. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2022 so I am confused as to why this information is being furnished to XXXX and Transunion. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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)

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 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XXXX XXXX XXXX I borough a XXXX XXXX XXXX  from a XXXX dealer where I give a trade-in and in order for me and my son to have the deal done was that I had to get all the extra warranties ( GAP, Tire & Wheels, Prepaid Maintenance and Vehicle Service Agreement ) if I want the loan even that my son 's credit was about 700s and my around 650 so we accepted the deal. This happened in XXXX 
Now, on XX/XX/ we relocate to XXXX  due to my work, by the beginning of XXXX my son and I decide to cancel the extras warranties and I call multiples dealers around the area and i got told that the original sale dealer is the only one who can cancel it also called the XXXX XXXX and was the same answer at the same time. 
On XX/XX/ I took a flight from XXXX XXXX XXXX XXXX just to be able to cancel the agreement in person just because the dealer said it that was the only way to do it. 
My Agreement Cancellation Request was done at the dealer on XX/XX/ causing me expensive like flight fare, missing work, food, transportation and I got told that this process will take around 4 weeks to be done. At week 5 after cancellation date the refund was not resolved, I called the XXXX XXXX to get an update on the cancellation status and my surprise was that they did not have any record of the request, so I proceed to ask them if I can cancelled my self with the " Agreement Cancelation Request '' that I got from the dealer and they accepted so I faxed and email it to them 3 days later. 
By week 6 after cancelation ( 1 week later after I faxed and emailed documents ) XXXX XXXX still have not process my request. After multiples calls that last several days to the dealer and the XXXX XXXX finally by the end of XXXX the XXXX XXXX revived my Cancellation Request but they told me that they have 30 day to credit it to my account. 
With all the digitalization and technology aviable at their own convenience for sales only in todays day still a nightmare to do a cancellation but it is not a promised or guaranty that this will take 30 days max may be more if is necessary they said In the meantime I still pay interest for all that money in a daily basis that no one want to be liable for it and somebody should have between XXXX XXXX and Dealer. 
There is not respect to customers went comes about cancellations and claims but went is about sales of course there are the # 1 and exceptional in what they do because is convenience for them.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-28
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: GOLDMAN SACHS BANK USA (CA)

I originally booked a stay at XXXX XXXX XXXX in XXXX from XXXX XXXX - XXXXXXXX XXXX  through XXXX with my Apple Card. While staying there, I encountered numerous serious issues : 1. My girlfriend cut herself when trying to open a defective water bottle provided by the hotel which cut and left a wound on her finger. Hotel staff ( maybe security? ) came up a few minutes later to assess the situation and replace the bottle. 
2. The next day, hotel staff left our door open and accessible by anyone all day which put all our personal belongings at risk and was extremely unprofessional 3. The TV and toilet had issues 4. When we informed the staff on the above issues they offered a complimentary breakfast the next morning ( I dont think they took our concerns seriously ) 5. The next morning when trying to use the complimentary breakfast they said they had no record of any offers so we had to spend another hour talking to the staff reexplaining all of the above 6. They once again offered complimentary breakfast delivered to our room since breakfast was now closed and we were checking out 7. We waited hours again and no word from them on the breakfast 8. After returning home we contacted the merchant ( Trip.com ) but they have been giving us the constant runaround passing us from agent to agent without any resolution for over a week now. 
9. Disputed the charge through Apple Card ( Goldman Sachs ) and provided them the evidence attached but it was not successful. When asked about the rejection reason I was simply ignored. 

So I've wasted hours upon hours for some sort of resolution that never came for the numerous issues we encountered which has been very frustrating to say the least. XXXX and the XXXX XXXX acknowledge they have not provided satisfactory services and are unwilling to fully refund our charges, only false promises of a cheap {$30.00} breakfast and XXXX coins which I have no use for.
Consumer complaint received 2024-04-22
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-12-22
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. (AR)

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On my credit report for TransUnion and XXXX, it is still showing a student loan balance, however, my loans were forgiven by the XXXX XXXX effective XX/XX/2023. The balance for my loans need to reflect {$0.00}.
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC (MA)

A loan for $ XXXX was signed onXX/XX/XXXXfor solar panels. The initial disbursement of $ XXXX was for material around XX/XX/XXXX. The panels were installed by XX/XX/XXXX but the operating panels were never installed and to this day I dont have operating solar panels. The permits were never obtained. I paid Mosaic regardless until XX/XX/XXXX when they told me they were going to take my home and I signed a contract and was basically a dead beat. The loan was XXXX  days past due at the time. Now I am getting calls from multiple companies, people knocking on my door on XXXX and mail from XXXX ( collection agent? ) when I asked why funds were distributed when work wasnt complete they stated the installer provided pictures. I have filed this account as fraud but am getting harassed even after sending proof services were never rendered. What are my options?
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

Stolen Check - Blatant Forgery Background I have a checking account with TD XXXX, now part of XXXX. Technically, the account is a brokerage account with checking services. TD XXXX offers these checking services in coordination with TD Bank. While I do not have an account at TD Bank, they seem to be the responsible party as they are the consumer bank where the check was cashed. 

Theft I mailed a check for rent in XX/XX/ in the amount {$2300.00} by putting a stamped envelope into a USPS blue box in XXXX XXXX XXXX at approximately XXXX XXXX and XXXX XXXX. I learned in midXXXX that the check was drawn against my account, but every line had been whited-out and written over in someone else 's handwriting, including a different name, different signature, and re-written amount, though the amount was also {$2300.00}. I filed a police report with XXXX Police Dept and opened a case at TD XXXX. It took a long time for the police to send a copy of the report, because they required me to submit a FOIL request, but I eventually did receive the report and submitted it to TD XXXX. 

Unresolved After multiple follow-ups with TD XXXX, they have told me verbally several times that they will not re-open the case, even though their representatives have told me they agree the check was clearly forged. They said it is actually TD Bank 's problem to solve. I spoke to TD Bank, and they disagree. Both sides have denied the claim even though their representatives tell me they sympathize and agree this was a forgery. ( In fact, they actually told me to contact their regulator! ) I am caught in the middle and would like to bring both parties together to explain who is responsible and then have one of them refund my check. 

Thank you very much, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Below are the cases # that Citizens Bank has neglected to reimburse me. 

These were all wire transfers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this