davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9.XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: 1803 Capital, LLC (LA)

THIS 1803 CAPITAL LLC AND XXXX XXXX  IN CONCERT AND SYSTEMATICALLY HAVE COMMITTED EVERAL FRAUDS. I WAS GIVEN FALSE AND DECEPTIVE INFORMATION AS FOLLOWED : 1. I WAS ILLEGALLY OVER CHARGE BASE ON LOUISIANA LAW FOR THE YEAR OF VEHICLE AND THE AMOUNT FINANCE IN CONJUCTION WITH THE INTEREST I BELIEVE 22 % IS THE HIGHEST BUT THE CHARGED ME 24 %. WHICH MAKES THE CONTRACT VOID. 2. THEY FORCE ME TO MAKE A XXXX DOWNPAYMENT BECAUSE THEY STATED " MY CREDIT WAS NOT STRONG ENOUGH ''. WHICH IS ILLEGAL BECAUSE 15 USC 1605a STATES THAT A FINANCE CHARGE IS THE SUM OF ALL CHARGES. I WANT MY MONEY BACK FOR THE DOWNPAYMENT. NOR DID THEY GIVE ME EQUITY IN MY CONSUMER CREDIT. XXXX. I WAS NOT GIVEN A PROPER TRUTH IN LENDING STATEMENT NOR WAS I TOLD THAT I HAVE 3 DAYS TO RESCIND THE CONTRACT. THE PROCESS WAS NOT TRANSPARENT UNDER 15 USC 1602 ( i ) THIS IS A CONSUMER CREDIT TRANSACTION NOT A LOAN.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

This collection was placed on my credit report and my daughter by NATIONAL CREDIT SYSTEMS INC without notice. The collection does not belong to me or my daughter. It has harmed my and my daughters credit report. My score has dropped by 50 points on my XXXX credit report and XXXX dropped 22 points and XXXX  dropped by 14 points according to my FICO score. I reached out to this agency many times. I called one supervisor and he never called me back. I left him a voicemail. I called again and spoke to multiple people including a supervisor and she hung up on me ; when I questioned why she kept putting me on hold and answering other calls. She said other people were calling and I suggested she allow them to go to voice mail as happened to me before. She then got angry and eventually hung up on me repeatedly calling my name. I I asked them to do the research and please remove this from my account. I was in the process of attempting to purchase a home and secure housing for my daughter. I contacted the agency multiple times and they told me it was my responsibility to dispute with credit bureau. I think you should pull the tapes of the recorded conversations to demonstrate how rude and unhelpful this agency has been. They later sent a letter saying they investigated and the results remained the same. They also added a Louisiana address that I have never resided at.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TX)

I paid of my car loan in mid XX/XX/2021. Did not receive lien release then. 

I have now moved to Texas and can not get my car registered. It is 4 months late without tile. I have been after the company for 2.5 months and made multiple requests for title but have not received it. 

The company is Westlake Financial out of Texas. My license number is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (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. 

Account name : XXXX Account number : XXXX 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 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Comerica (CA)

Had money sent to me on XXXX. My account said click here to enroll and recieve money. No matter what I try it will not send the code. There customer service told me it's an issue on there end showing my carrier is disconnected. They said there is nothing they can do. They refuse to refund the that was sent to me.
Consumer complaint received 2022-12-08
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. (VA)

In accordance with the fair credit reporting act the following companies have violated my rights.
LXXXX 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  
15USC 1681 section 602 A states I have the right to privacy.
15USC 1681 section 604 A section 2, I also States a consumer reporting agency cannot furnish an account without my written instructions.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Under the Fair Collections Act 12 CFR 1006 it states to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. XXXX XXXX willing purchased a debt and is incorrectly reporting it I've never had a contract with XXXX. I would like all original contracts provided in writing. I would also like the proof of sell of the vehicle from XXXX XXXX. EQUIFAX has said they verified the balance, dates and contract but has not given me a written documents has requested.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2023, I contacted Navy Federal Credit Union after receiving a notification that {$1900.00} had been transferred out of a joint account with my son. I was told that someone had compromised my sons account and submitted multiple fraud claims ( online ) for legitimate debit card transactions and as a result Navy Federal gave a temporary adjustment credit for {$1800.00}. So, not only did Navy Federal allow the fraudulent activity, they then allowed continued fraudulent activity when those funds plus the {$130.00} already in the account to be immediately transferred out to another Navy Federal member account. I told them that this was all fraudulent activity and asked why wouldnt they have flagged this as suspicious activity? The compromised accounts were closed and new accounts opened. My son set up a new username and password and we were told that we would have to call back once the transfer fraudulent activity hard posted to file a claim. Navy Federal then reversed the credit they gave in the original fraudulent act and made the account negative those amounts. We called in to ask why this was done and were told that we requested it. That is not true. We called to report that the activity they allowed was fraudulent and then the transfer was fraudulent. On XX/XX/2023 when the transfer hard posted, we called back to report the fraud. We were told the investigation could take up to 10 business days. The account was not provided a temporary credit pending the results of the investigation. At this point, Navy Federal allowed the original fraudulent activity for the crooks to receive enough money to steal, then reversed the credit after we reported that this was fraudulent activity. This made the account negative - {$1700.00}. On XX/XX/2023, Navy Federal removed {$1000.00} from my personal savings to this account, but still has not provided a temporary adjustment during the investigation and has not responded and it has now been longer than 10 business days. A total of {$3400.00} is owed by Navy Federal. {$1900.00} they allowed to be transferred out of the account and {$1000.00} that they stole from my personal savings account without my permission, and my sons XXXX  XXXX benefit received XX/XX/2023 in the amount of {$460.00}. As of today, XX/XX/2023, I have not received any communication from Navy Federal other than they had the right to transfer the money from my savings to my sons account because it was negative. They are the reason the account is negative and they are the reason its taken this long to resolve. The website states that a temporary credit is issued pending the results of an investigation when an account has been compromised and fraud reported. We did all the right things in reporting the fraudulent activity and are paying the price for Navy Federals lack of security measures.
Consumer complaint received 2024-03-12
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. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/23 I reserved a rental car from the website XXXX. When I showed up to pick it up, I was advised by the XXXX XXXX that I would be unable to rent the vehicle after all and I would get a full refund. He stated this was due to the fact that I only had my Bank of America debit card and not a credit card. Even though the website specifically states a debit card is acceptable. I was charged in full for the vehicle rental in the amount of {$130.00}. I disputed this with XXXX and with Bank of America. XXXX has stated they submitted " documentation '' ( attached ) that I did in fact rent the vehicle, however that provided documentation proves nothing. Their website even shows the rental was " cancelled ''. I still have not received my money back.
Consumer complaint received 2023-03-07
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AXOS FINANCIAL, INC. (HI)

Purchased a prepaid XXXX XXXX card in XX/XX/22 for {$500.00}. Card would not work filed complaint to XXXX received reply that card issued by Axos Bank and would have to contact Axos. Contacted Axos explained issue and requested refund, Axos sent a new blank/empty XXXX XXXX card without refund loaded. Request your assistance in getting refund that is overdue for 6 months. 

Thank you for your assistance.
Consumer complaint received 2023-09-07
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. (NY)

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 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