davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX XXXX -transunion/XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (NY)

I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, equifax and XXXX have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from 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 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 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 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 2023-01-02
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: ALLY FINANCIAL INC. (CA)

Ally Financial owes me {$33000.00} and XXXX lbs of gold for failing to rebut my affidavit. I sent Ally Financial an Affidavit of Billing Error Notice. Ally Financial failed to give me a complete disclosure therefore I am rescinding the agreement. 

CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) Constructive Fraud as well as actual fraud may be the bases of cancellation of an instrument. XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) 15 USC 1605, 1635, and 1662
Consumer complaint received 2024-04-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (VA)

XX/XX/2024, I attempted to call a debit collection ( aargon collection agency ) contact number. I'm then transferred to, " XXXX. '' He tells me he is a part of the, " dispute department. '' He then tells me to give him my credit card number, social security number, and birthday to check my payment, but wait ; It's going to cost a dollar to check and even {$100.00} to file a dispute. It's already suspicious I would have to do this if I already exist in their system, as it seems predatory in nature. In good faith I agreed and my suspicions were confirmed when under XXXX hours I see an email confirming I've been subscribed to standardscores.com ( https : //app.standardscores.com/users/sign_in ) with a plan to charge me {$24.00} monthly, WITHOUT MY CONSENT.This number was listed under a DIFFERENT COMPANY, then told me, by an agent who SAYS HE REPRESENTS THEM, LOG MY CREDIT CARD INFORMATION AND IS ILLEGALLY TRYING TO CHARGE ME A SUBSCRIPTION FEE WITHOUT MY CONSENT. From the little research I've seen, they have a REPUTATION of this! I then found the REAL AARGON AGENCY and they have NO IDEA where that number is from and are confident it has never been registered to them. Even they said my interaction sounded like FRAUD and to file this complaint. My family hasn't served this country for generations to deserve this type of nonsense, when most people live paycheck to paycheck! It's unacceptable and THEY SHOULD BE SHUT DOWN IMMEDIATELY!
Consumer complaint received 2024-04-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (PA)

I was on a forbearance for unemployment for XXXX months. They said at the end of XXXX months if I still wasnt working to request an extension. I did that and then they did not approve it. Does not make any sense as they said it would be extended if I was not working. Then they called and said they would email me a packet to fill out so they can work with my VA Home Loan Guarnatee officer from Colorado to come up with other options such as loan modification, refinance etc. they never emailed me the packet. And k sent them multiple emails asking for it or mail it. I tried to call and was on hold for over an hour and chose option for them to call me back. They never called me back. I already did one complaint and they sent me act 91 which is foreclosure in 30 days which is not legal since the VA Al has a foreclosure moratorium until the end of XXXX. It cant be in that as an option before XX/XX/XXXX. So they jumped the gun on it. This company has the worst customer service and Im not happy that I can not get a straight answer from anybody. How hard is it to leave it in forbearance until I get caught up or to give me other options. You think they would want me to get it under control versus foreclosure. Ive seen people behind XXXX years and yet Im only XXXX  months behind and Im working with PHFA to help me get this under control. So number 1 they failed on their promise to extend my forbearance., 2. They never sent me the packet to fill out for them to work with the Va loan officer to come up with alternates and went right to foreclosure before they legally could do to the mortatorium.
Consumer complaint received 2023-05-10
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. (MI)

See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it as soon as possible.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded 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 2020-07-31
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: Convergent Resources, Inc. (AL)

XX/XX/XXXX When checking my credit report I notice a charge of XXXX from XXXX through a debt collector by the name of CONVERGENT OUTSOURCING. This is a fraudulent bill and a result of Identity theft as previously reported to XXXX in XXXX. This company has been reckless and negligent in reporting erroneous bills to my credit report. I have sent countless documents to XXXX  showing that this is the result of Identity theft but they have yet to remove this bill from my credit report.
Consumer complaint received 2023-06-22
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. (MI)

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and Equifax in this, these need to be removed as well from my credit file thanks for your help
Consumer complaint received 2018-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

EXPERIAN IS GUILTY OF REMOVING XXXX XXXX ACCT # XXXX FROM MY CREDIT FILE FOR FRAUD ACCOUNT AND THEN PROCEEDED TO PLACE THIS ACCOUNT BACK ON MY CREDIT FILE WITHOUT NOTICE AND THIS ACCOUNT WAS STILL IN DISPUTE. BY DOING THIS MY CREDIT SCORE DROPPED AND EXPERIAN IS REFUSING TO DELETE THIS ACCOUNT WHICH WAS PLACED BACK ON MY CREDIT FILE WITHOUT FOLLOWING THE LEGAL PROCEDURE TO ACTUALLY DO SO.
Consumer complaint received 2023-07-10
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. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-02-08
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. (DE)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you kindly review the documents? Some of the listed accounts are inaccurate, and it's unsettling for me.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

In 2019 I was XXXX  to the country, I was so happy that I got my XXXX  and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Consumer complaint received 2022-10-24
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. (OH)

I have disputed these 6 duplicated loans for over several months. I know the all loans are closed zero balance thats not the issue I only took out 6 loans period not 12 the loans the 6 loans for XXXX and 6 for XXXX making it 12 loans on all 3 credit bureaus when originally I only had 6 loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took 6 loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

payment history involving XXXX XXXX  XXXX is incorrect. The months will be listed below. 
XXXX XXXX XXXX XXXX XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. 
I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. 
Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. 
It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information.

15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. 
I have been harmed, discriminated and it's hurting me and my family. 

I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was XXXX  during the period of opened accounts 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 2024-04-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (TX)

I HAD TRANSFERRED MY PHONE LINES OVER FROM SPECTRUM TO XXXX BACK IN XX/XX/year>. THE REP FROM XXXX CAME OVER AND TRANSFERRED ALL MY LINES FROM SPECTRUM/CHARTER RIGHT INFRONT OF ME. I DIDNT KNOW I HAD A BALANCE TO PAY AFTERWARDS. WHY LET SOMEONE EVEN GET THAT FAR. IF I KNEW THAT I WOULDNT HAVE SWITCHED. ANYHOW THIS CBE/CHARTER SHOWED UP ON MY CREDIT AND ID LIKE IT REMOVED AS IM A XXXX XXXX  AND NOT WORKING AND SECONDLY I DIDNT KNOW I HAD TO PAY ANYTHING BACK YET THAT MY CREDIT WOULD TAKE A HIT IN THE PROCESS. I FEEL THATS NOT RIGHT IF THESE COMPANIES ARE IN COMMUNICATION WHEN IN THE TRANSFER PROCESS IT SHOULD NOT EVEN ALLOW ONE TO CONTINUE ON IF CUSTOMER HAS A PRIOR BALANCE TOO. SO THATS SPECTRUMS FAULT AS THEY SHOULDNT HAVE EVEN WENT THROUGH WITH THE PROCESS AS I APPARENTLY STILL HAD A BALANCE AND THE TRANSFER WENT SMOOTHER ON MY END AND XXXX TOOK THE PHONES I HAD GOTTEN WITH SPECTRUM IN FOR THE TRADE INS
Consumer complaint received 2024-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (FL)

AARGON AGENCY INC put a record on my credit history with for previously disputed medical bill which was paid by my insurance. I also never received a intemized statement. This company is acting in bad faith and against consumer protection laws.
Consumer complaint received 2023-05-15
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. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX