davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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: Atlanticus Services Corporation (NC)

I've been back and forth with XXXX  XXXX in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (VA)

Potential fraud committed on my debit card. Told fraud team about issue and they stopped payment. I was told to go to a local branch and get a replacement debit on the same day. 

When I went to the local branch in XXXX XXXX  they were having " system errors '' all over the bank and were unable to issue me a card. They told me they would call me when the card was ready. 

They never called me. 

I went in after XXXX business days to check on the " system errors '' and my card was ready. The local branch failed to call me. 

Then, on Tuesday XX/XX/XXXX, I received XXXX replacement cards in the mail telling me to activate each card. 

I went to the local branch to complain and they offered no help. I told them I was concerned that the issuance of these many cards without activation would cause them to freeze my account. They offered no assistance.
Consumer complaint received 2024-03-29
Product: Credit reporting 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. (GA)

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

XXXX. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delte the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. XXXX XXXX XXXXXX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Consumer complaint received 2023-07-07
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. (KY)

Ally received my final payoff for XXXX yesterday and now they are giving me a hard time releasing my vehicle because the managers are mad that I made a complaint with this company. I was told by a customer rep last night on the phone. I keep calling and they put me on hold till the phone is cut off.
Consumer complaint received 2023-05-30
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: Grain Technology, Inc. (GA)

My information was negatively impacted by The XXXX Data Breach. I've been contacted by the company several times and informed them that this is an fraudulent account i did not authorize nor am i aware of. They proceeded and placed that account of my consumer report! I have experience nothing but stress, anxiety and deep depression due to the impact this has made on my life. I need these items removed from my report Immediately. I will also file a report with the States Attorney General, FTC, Securities and Exchange Commission and be sure to make my XXXX XXXX followers aware of this company fraudulent behavior against consumers.
Consumer complaint received 2023-04-12
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. (SC)

This is my second 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 XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. (CA)

On XXXX of XXXX  I requested funds in my account to be transferred at the time it was {$250.00} now its {$170.00} and Ive requested to close my account 5 times very scared amount will drop again Ive tried on several occasions contacting blockchain but got no answer I wish to have my account closed and money mailed in a check this Blockchain wallet is a joke.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I was contacted by ONLINE information services on XX/XX/XXXX  about debt for utility service for {$1900.00} by XXXX. 
I've never lived at the address provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX though my name and SSN was used to create the XXXX account. 
I've contacted the XXXX this morning, and explained my situation and was referred to your website and they are going to open ticket to investigate this problem. 
I also have been told to make a police report for ID stolen.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: McKellar & Associates Group, Inc. (CA)

On multiple occasions a debit firm under the name XXXX XXXX XXXX based out of XXXX, CA continues to contact my relatives and myself claiming I have a debit owed. When contacting the company, they can provide zero information on the alleged debit and when I ask to talk to a supervisor they hang up. This is a scam and they have alleged legal action including jail will occur if I do not contact them. I contacted them and threaten I would report them to the XXXX Police, CA Attorney General and the XXXX. The lady hung up on me. I 've saved the VM left to me and the XXXX number and reference. It is XXXX ref # XXXX. I 'm drafting a certified letter that will detail they are not to call me again nor my family. Not sure what else you need, but the last call to me and to a relative was XX/XX/2017.
Consumer complaint received 2022-11-23
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

My middle class tax refund card was stolen. I gave have been trying to get the {$700.00} in fraud on my card reimbursed since XX/XX/2023. My claim was denied after an almost 90 day investigation. I have not received any documentation regarding my claim. I have asked numerous times for the denial notice and documentation associated with their investigation be sent to me. I have received nothing. I emailed an appeal on XX/XX/XXXX. When I called and asked for status I was told that nothing is being done with my appeal and no investigation is under way. I have been getting the run around for months. I have talked to several supervisors who have emailed the fraud department asking why my claim is denied and to send the documents to me but they never receive a response or send the documents. I would like the funds refunded immediately.
Consumer complaint received 2023-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello I am requesting help with getting my student loan payments during the pandemic pause refunded as provided for under the CARES act. I recently had my loans consolidated and transferred to MOHELA for PSLF. Before doing that I requested with my previous servicer, XXXX, to claim the refund for the voluntary payments I made on my federal student loans during XXXX. They did not process the refund before the loans transferred to MOHELA. I then contacted MOHELA after they were servicing my loans and made the same request, knowing that I was eligible for forgiveness soon. Now MOHELA has XXXX my loans but I still have not received the refund for the covid payments. I requested the refund multiple times with both servicers prior to discharge and prior to any consolidation and have really been getting the runaround. I know that in the CARES act if a person requests their COVID voluntary payments on valid federal loans that they are entitled to those payments back. In my case it is a lot of money because I paid into the loans heavily during the pandemic pause since there was no interest and I was not sure if the PSLF process would actually work. It is something around XXXX XXXX dollars that I am entitled to under the CARES act for all the payments I made from XXXX to XXXX. That is not a small amount of money and I just want the benefit of the CARES act as provided by law. I filed a dispute case with the ombudsman for federal student aid on XX/XX/XXXX and after waiting over three months for a response I still have not been contacted by anyone.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Wife got a credit card in my name with capital one, without my permission. Only found out about it after she passed away. Called capital one and would not help me and was told there was nothing wrong or illegal about her opening an account without my knowledge. Got the account closed and they sent it to collections. Would not send me an itemized list of charges or a signed agreement from when account was opened when I asked several times. I never saw a card or statement from capital one.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (VA)

US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2024-03-29
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)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a 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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NE)

On XX/XX/2022, an amount of {$3600.00} was falsely reported to a credit agency. I have had numerous calls about this matter. I have sent emails, pictures, etc to get the issue resolved. I DO NOT owe the alleged {$3600.00}. I have copious amounts of documentation regarding this matter. I have had to get a lawyer involved, and nothing is done about it, STILL.
Consumer complaint received 2017-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have made over three attempts to get this company to provide me full verification of this alleged debt for {$2200.00}. I was only sent the last statement from the original creditor for {$2000.00}.
This is my last attempt for full verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

My business checking account had an unauthorized withdraw of XXXX $ in XXXX of XXXX. I have disputed the ach withdraw for the last year and a half with chase bank with XXXX XXXX XXXX  times of the claim being denied for different reasons. such as no police report, I then got a police report did not file with in time, we had reported originally with in their time frame. They also claim since we have received payment from another account at the merchant before that all transactions from that merchant are valid. I have a police report and documents at the city of XXXX XXXX  with the case number XXXX
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My mother financed a car through credit acceptance at an interest rate of 22.99 %. The car was valued at XXXX but they charged her XXXX for it. The car was involved in an accident in XXXX. It was totaled. Thats when I found out that they let her use me as a co-signer without me consenting to do so and she purchased the car without initially getting insurance. My mother passed away in 2020. After she died they took me to court, sued me and are threatening to garnish my checks if I dont pay them {$17000.00}. They also reported it as a voluntary repossession on my credit which is hurting my credit score and credit worthiness.
Consumer complaint received 2023-05-30
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. (NC)

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with transunion, XXXX and XXXX, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXX is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a dispute online attached with documentation proof of me not owing a medical debt they simply spoke with the creditor and said everything was correct. I then called and disputed 3x all 3 said the same thing. Then they tell me its better if I mail in documents to prove I dont owe to money, a week and a half has gone by and they keep saying their back office hast received it yet.
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim on identity thief. 
I have tried to get XXXX  to send the proof of this charge on many occasions but they will not. I call and they say tough i need to pay. This was a frogulant charge and I filled a police report. 
There is no emails, texts, merchant receipts or signatures on this. 
I originally had my secretary open this dispute with XXXX  and she filled the wrong name. A week later we noticed the wrong name and resubmitted this dispute as fraudulent with correct name. This inturn made XXXX  not open a dispute. They said its mine when there is no evidence that it is. I have tried to work with them and explain this is fraudulent but they refuse to care. This is not my charge and my card was used without my knowledge.