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: Experian Information Solutions Inc. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana XXXX XXXX DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion, XXXX and XXXX where n't given permission by me a man XXXX XXXX nor by my person XXXX XXXX to report my employer employment period so why are they doing it this is unlawful that you Transunion continues to report incorrect information for there banking friends XXXX XXXX Bank XXXX although they XXXX XXXX never produced a PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature neither was Transunion given my permission nor do we hold a contract. Do you know once you reporting in fraud without permission that's also identify theft.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received USPS mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent Transunion numerous letters from XXXX Bankruptcy Court to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

15 U.S code 1681c.2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete theses items as soon as possible. 

These accounts can not be furnished on my consumer report as they are in violation!!! Under, 15 U.S code 168 lb permissible purposes of consumer reports ( a ) IN General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC (NC)

So there was no options on you list to describe my problem. So I got scammed into buying solar through XXXX XXXX XXXX XXXX  and the {$50000.00} system that was financed through good leap has never worked.so I stopped payment .good leap sent over a tech to disconnect the system ( that never worked ) and in the process knocked out half the electric in ny home. Several rooms had no electricity including my refrigerator. So I came home to everything in the freezer melting. It was this past XXXX  so I had to wait till XXXX  to get them on the phone and when I did the lady I spoke to said if I pay what I owe they can send someone back to connect my system.I told them I really dont care to have the broken system connected again but they needed to send a tech to properly disconnect the system! I got transferred to another lady also demanding payment and they refused to help me. They knocked out half the electric in my house and refused to fix it and I had to get an electrician over to fix it. Please ..this has been nothing but a nightmare. Good leap is wrong on so many levels
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: Experian Information Solutions Inc. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

XXXX  | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Studen Loan accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported 2 times each on 4 loans for a total of 8 late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected. 

Laws Broken : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

i have informed EXPERIAN of errors reporting on my credit report. EXPERIAN continues to report these accounts after having information on the inaccuracies. This is defaming to my character.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF THE WEST (NM)

Have a checking and savings account with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I subscribed to a trial - 30 day- XXXX + XXXX. I cancelled before the 30 days. XXXX debited my account for XXXX in XXXX then the charge disappeared. Then I was charged again. XXXX XXXX said they filed an escalated complaint. both tooj my dispute said I was to get affidavit in mail. never arrived. went into local branch XX/XX/XXXX. filled out affidavit. received letter today. botw is denying it. went back to branch. they still will not refundm
Consumer complaint received 2023-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Barnhall Financial Services, Inc. (MS)

XXXX of XXXX sold me a lemon vehicle and it hasnt worked at all. I had the car pulled back to them, where they were supposed to work on it .. nothing was done. The finance company its with is Barnhall Financial. Since I had the car for 8 months, Ive paid on time, had no problems with paying. Even though the car wasnt working, I STILL paid. XXXX payment wasnt submitted and I have started to receive phone calls every day harassing me and calling me frequently. Ive been receiving threatening calls and everyone has been called where this company is telling my situation to them, which I can sue for. This company told my job what the situation is, this company called me on today and the woman I spoke with told me I may as well borrow the money or whatever I need to do because she needs a payment and she will call whoever she pleases because shes going to get a payment. I want these harassing phone calls to stop! This company is not a good company and they are very rude and XXXX!!!! The XXXX slurs Ive heard on these calls have been ridiculous.
Consumer complaint received 2023-04-26
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. (TX)

Inaccurate credit inquiries from On XX/XX/2022, XXXX XXXX XXXX  On XX/XX/2022, XXXX XXXX XXXX On XX/XX/2022, XXXX XXXX On XX/XX/2022, XXXX XXXX Tried several times and reached out to the company certified letters I do not have an open account with the company ..Please remove inaccurate information
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

The letter that was written to the third party was on XX/XX/2024 Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for XXXX Credit Card I am writing in response to your recent letter dated [ date of their response ], regarding the verification of the account referenced to the XXXX Credit Card XXXX I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the credit card in question or provide concrete evidence linking me to this account. I remain unaware of any association with XXXX Credit Card, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have disputed inaccuracies on XXXX, XXXX, and Experian for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Consumer complaint received 2022-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has continued to purchased lender based insurance on a home equity line of credit where I am the borrower but do not own or have ever owned the property that secures the loan. Wells Fargo has repeatedly rejected declaration pages that have been sent to them ( where they are listed as loss payee ) because I am not the named insured/policy owner. The policyowner and owner of the property securing the loan did sign a mortgage document but is not a borrower. The policy owner contacted the insurance company ( XXXXXXXX XXXX XXXXXXXX ) to see if I could be added to the policy as co-insured/co-policyholder. XXXX XXXX XXXX would not add me as co-policyowner/co-insured because I do not have ownership/title to the property. I contacted The New Jersey Department of Insurance and they confirmed that XXXXXXXX XXXX decision was correct because adding me on the policy when I do not have ownership of the property would contradict the " insurable interest '' doctrine that insurance companies need to adhere to. In essence you can't insure it if you don't own it. I am questioning how Wells Fargo can with out my permission purchase a policy in my name as insured/policyowner when I do not nor have ever owned the property. I also question how Wells Fargo knowingly approved a home equity line of credit using a property that I never owned as collateral. Is it possible they never did a title search?. The bank has charged the line of credit {$10000.00} for insurance premiums even though a valid policy exists. This fee is more than XXXX XXXX times higher on what the XXXX pays currently. In essence there have been XXXX policies on the property for the previous 5 years. The New Jersey Department of Insurance suggested I try to resolve the problem directly with Wells Fargo which I was not able to do and this results in me filing a complaint through CFPB. In lieu of that it was suggested to open up a case directly with XXXX. According to the XXXX at XXXX, Wells Fargo has been cited for similar violations.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX  not  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX    XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  A   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP 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 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) X1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( Original Creditor : ) XXXX Balance : {$590.00}
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, and XX/XX/2022, unauthorized fraudulent transactions were made from my accounts in the following amounts : {$2100.00} transferred from Savings to Checking, {$2000.00}, {$1500.00} and {$3400.00} were stolen from my Checking Account. 
I have provided information that I did not have control of my cell phone and that the thief changed my SIM on each day! 
I have filed a police report, sent letters of explanation, got information from the cell phone provider, filed disputes, notified three credit bureaus, requested reconsideration after denial of claims, filed Internet Crime Complaint and followed the instructions and recommendations of The Federal Trade Commission on IdentityTheft.gov. 
This company has not yet responded to my last communication ; it's been 35 days. 
I have been completely ignored with the exception of the denial letters. 
I was notified by XXXX XXXX, Assistant Vice-President, Resolution Specialist, Regulatory Complaints and given Case # XXXX, I verified my identity as complainant ( by phone message and email ), provided him additional documentation but have NOT heard anything from him. My telephone calls and messages left have also been ignored.