davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation (GA)

Deceptive practices and non full disclosure of contracts which gives me the right to rescission under these USC codes 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S. Code 1635- right to rescission 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. 15 U.S. Code 1662-No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state 2. that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

3. that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 15 U.S. Code 1692j- false and deceptive forms 15 U.S. Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years. If rescission paperwork was never furnished, deceptive practices were used by not disclosing everything, including the existence of power of attorney paperwork within the contract. They added extra taxes and fees without proper explanation. When asked about the validity of the contract, they refused to validate it. The paperwork they sent had no relation to U.S Auto Credit LLC
. The letter mentioned in the previous complaint was not received by the consumer, and the consumer was not informed correctly about the transfer of ownership of the contract during negotiations. US Auto Credit also repossessed the vehicle without any explanation or clarification. Despite requesting this information, it was never provided, raising suspicions about the timing and existence of the letter. It's important to note that I had been communicating with US Auto Credit for months before contacting the consumer bureau, giving them ample time to provide the letter and establish the validity of the contract. These actions indicate that US Auto Credit is operating dishonestly.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Millennium Credit Consultants Inc. (IL)

Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Enhanced Recover Company 20931 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is provided on my attached ID and this complaint. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current addresses is also on my attached license. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is on my attached license. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any telephone number and I do NOT desire any other telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account on the date of XX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the account.
Consumer complaint received 2023-08-22
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NC)

I looked at my credit report and noticed inquiries I did not authorize. They are as follows : Experian Credit Report XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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. (IL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH TRANSUNION LLC XXXX XXXX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE ACCOUNTS
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated!

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, as well as some of the following rights also! 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 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. 

XXXX : ACCT XXXX XXXXXXXX XXXX XXXX : ACCT XXXX XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXXXXXX XXXX : ACCT XXXX XXXX XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im XXXX when I lost my job I inform XXXX  XXXX that I need assistance and I placed a credit protection to pay the minimum payment. in XXXX they close my account because my payment was returned but I placed a credit protection so thats shouldnt happen because I have credit protection so they remove the credit protection without notifying me and that cause card to be closed and also become delinquent from then also they never give me any accommodation from the law 15usc 1681S-2 ( A ) ( 1 ) ( F ) and they damage my credit score I attached to documents below one where is show credit protection and the next month no credit protection or that the credit protection was remove
Consumer complaint received 2022-11-24
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. (MN)

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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name : XXXXXXXX XXXX XXXXXXXX /amount XXXX XXXXXXXX PAID OFF XXXX XXXXk ( XXXX XXXX  ) /amount {$720.00} =PAID OFF XXXX, Transunion, and XXXX have violated 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 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 2024-04-02
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: EQUIFAX, INC. (NJ)

DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened a checking account and a credit card with Bank of America in XXXX. Around in XXXX XXXX there was some random XXXX cards showed up in my mobile banking which has out standing balance of {$1100.00} and XXXX more with {$800.00} as discrepancy. I called Bank of America customer care raised complaints, raised complaints to fraud department for XXXX years, still I see those XXXX accounts attached to my account and now I was told that I am responsible for those account after XXXX years of continuous complaints which they promised to take care of. 
These accounts were fetched in my background check for my job and raised as concern to offer me job at a esteemed financial sector company. I have all the emails regarding the discrepancy. 
Now I'm not even able to access my accounts online I will get " sorry there is a problem accessing your account '' when I call the bank and they reset my ID and password it work for couple weeks and again I loose my online access. I had to reset my account XXXX 's of times and still the problem is not fixed. 
This is being a problem since XXXX which is never resolved.
Consumer complaint received 2023-08-23
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. (WA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX my mum made a cash deposit to my checking account at BOA bank of America for XXXX. To help out with my rent. She was told rude employee at XXXX location in Colorado that she could not deposit cash that she should get a cashier 's check or money order she went and got a cashier 's check from Us bank for XXXX returned back to BOA and was told my funds would be in my account right away. My mum relayed that message back to me. XX/XX/XXXX passed with no funds available in my account I called BOA and asked what the hold up was I was then told it will take XXXX days. So I waited because it was deposited thru the weekend. I get a text notification on my account XX/XX/XXXX letting me know funds are now extended out XX/XX/XXXX. I called and talked to several people and I was given the run around with no reason as to why a cash deposit from a cashier 's check could get released. I called XXXX and was told I can try to reach out to a manager at my local branch because they couldn't authenticate my information over the phone at a XXXX  teller branch I would have to call customer service or visit my local BOA. I did just tat XX/XX/XXXX with no resolution the manager could even explain why and didn't understand why my funds weren't being released I've been with BOA for XXXX  years.