davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: General Motors Financial Company, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MD)

I paid the complete balance due of {$240.00} on the date before it was due,  XXXX . I now have a bill for {$3.00} when my balance should be  XXXX . I filed a complaint previously about this credit card company,  Case  number :   XXXX
Consumer complaint received 2023-03-15
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: GOLDMAN SACHS BANK USA (GA)

I checked my credit report and seen an account that doesn't belong to me. It says " APPLE CARD-GS BANK ''. I never applied for this card or had this card ever in my life.I don't know who has my information and I am stressed out! I need this removed from my credit reports immediately!!!!
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b and have the disputed items removed as soon as possible.
Consumer complaint received 2024-03-27
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. (NY)

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 13th time I have brought this matter to your attention, and yet, it remains unresolved, which is utterly unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a serious threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00}
Consumer complaint received 2018-04-11
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 (KS)

I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.
Consumer complaint received 2023-03-15
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up 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 items 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 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 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 2023-03-15
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DIRECT LENDERS LLC (GA)

On XX/XX/2020 we were denied our home loan by our lender Licensing Information : XXXX XXXX NMLS : XXXX | Alabama : XXXX XXXX XXXX Florida : # XXXX | Georgia : XXXX   XXXX XXXX Licensee # XXXX XXXXXXXX XXXX Team Manager | NMLS : # XXXX | GRMA # XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, GA XXXX Direct | Cell : ( XXXX ) XXXX | E-fax : ( XXXX ) XXXX | E-mail : XXXX Website : XXXX We were told it was in front of the committee and that on this last day we were denied our loan based off a credit score. We were never disclose that their lender only accepted a XXXX score with ours being a XXXX. We were then forced to terminate our contract to receive our {$3000.00} earnest money or it would be lost. Never giving us a chance nor time to even use another lender. It was never disclosed to our realtor, our buyers nobody. When I emailed to ask the lender if we could use someone else or what we could do the only response I got was no, the credit score needed to be XXXX and it was done. Causing us to lose the house we were under contract with. Causing three family 's to be disrupted. Breaking the hearts of XXXX my children. My son is XXXX XXXX and this was a huge step to making it better for him. But to be told on the last day at the last moment leaving no room for change is not what I expect from a lender. T0 wait until the last day with literally less than 3 hours before the diligence period to end. Almost causing us to lose our earnest money. Is this really how this should have gone? I thought their were guidelines and procedures to be followed including a last credit pull 10 days prior giving the buyer time if needed to change lenders if needed. So this would not have even happened and we wouldn't now be stuck in a house packed in boxes. Our utility 's, movers, school address changes and many other factors having to now be retracted. The disruption and overwhelming disappointment is an understatement. But the out right " deceitful '' manner this company displayed can not go un noticed. I expected more for what was supposed to be our lender. Someone we were to depend on to keep us in the loop and allow ample time to have all matters completed to move forward with our closing. This is something that needs to be addressed and I am more than happy to provide more. Give any information I can to help. But I can not go another day without having some reprimand on the lender and the person who dropped the ball causing such a displacement of more than just my family. This is a matter of a company who did not do their job and allowed a complete breakdown of events that effected no just us but the other family 's who now are having to scramble to get their closings rescheduled and hops to not lose their upcoming closings because of this lenders inability to disclose in a timely matter of lending issues. 
Please let me know what I can do to have an action placed against this lender.
Consumer complaint received 2023-03-15
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)

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. 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 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 ) Sections 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 pf 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 2017-05-18
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: Experian Information Solutions Inc. (FL)

Experian has reinserted a XXXX XXXX XXXX account that was previously deleted from my report in XXXX 2016. This account was deleted from all three of my credit reports after it was confirmed that it was not mine and the bureaus completed their investigations. The account number is " XXXX ''. For almost four months, this collection account was not reporting on Experian until I checked my credit again on XX/XX/XXXX. This account is now back on my credit report with the same past due balance. This is not accurate information and I do n't understand why this is happening if it was already deleted. I know my rights under the Fair Credit Reporting Act. One of the consumer protections in the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ) requires the credit bureaus to notify me in writing not later than 5 business days after the reinsertion of an account. I did not see any such notice from Experian addressing this matter.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I terminated a rental lease for serious medical reasons with the understanding, according to their contract  XXXX   XXXX   XXXX   XXXX  that they will work on renting the apartment as soon as possible. I agreed and offered to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitig ate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the   property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (CO)

This is my several endeavors 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 XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXX/XX/2023
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-27
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$130.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$400.00}
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brennan & Clark, Ltd., LLC (UT)

I received my first call from this company AFTER they contacted my former in-laws and gave them information about my supposed debt. My forme r MIL ...   former by 7 years ... .called me with the number to contact  XXXX   XXXX   at Brennan and Clark . She told me that   XXXX   claimed she was an attorney and that   I needed to get this squared away so I did n't get taken to court. This was the FIRST TIME I HEARD OF THIS COMPANY. How incredibly embarrassing. This debt is a recent debt from a car insurance company that cancelled my insurance. I called  XXXX  back. She apologized right away for giving away my personal information to " secondary contact ''  ( former inlaws ).  She knew right away that what she did was not acceptable, and illegal. I have NO idea where she got their information ... from a   XXXX   search of my name? This is when she got my phone n umber ( a number that has been the same for nearly 4 years ). This was under four weeks    ago. When she spoke with me, once again, she claimed she was from an attorney 's office. The debt is obviously mine and instantly I said I would pay half the debt within the hour and that she could call me to pay the rest in  one  month. She has been relentlessly calling while I 'm at work, for several days. She has le ft two add itional voicemails to " fix my debt '' but today left a threatening voicemail that their lawyer will contact me if not " fixed by   XXXX   XXXX  . '' I immediately called back and asked her if she worked for an attorney. She said no. I asked if she were part of an attorney 's office. She said no. I asked if any attorney 's worked in that office. She said no. She said she believes that a department works with some type of legal services. At that point she would no longer answer any of my questions and tried to send me to her supervisor. He did not pick up but his phone but his extension is  XXXX . I called her back to get more information but she will no longer pick up. Her phone number is  XXXX