davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. Account # XXXX, has violated my rights. Account XXXX  has 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 an account without my written instructions.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (CA)

XXXX XXXX was unfunded and I still have not received my money back struggling with this XXXX to refund my money has been very difficult Please Help. They stated that they do not have a process to refund the money and this is very concerning wondering how many other customers they have done this to
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

As of Today Thursday XX/XX/2023, Ally Bank doesn't want me until : XX/XX/XXXX, of this Year, to have any recurring Transfers from my : Checking to my Savings Account, with : Ally Bank.
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. (CT)

This is my 2nd 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 Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2019-05-14
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-11-22
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. (MI)

my information was misused and something is being reported without my consent this is negatively effecting my report. I sent in multiple letters to get removed BY LAW but yet I keep getting stall letters telling me the account is verified and updated i don't care about that I need it removed because by law your are messing up.
Consumer complaint received 2022-11-13
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. (AL)

I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Complaint  ID  XXXX .   LVNV FUNDING LLC did n't provide any document with my signature.   This purchase was a case of identity theft.   Where was the merchandize sent to?   Where is the signature of the receipt?
Consumer complaint received 2022-11-13
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. (AL)

I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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.
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (NC)

On Sunday, XX/XX/2020 I was approved and paid for my car with XXXX to be shipped to my closest destination. I received full approval from Exeter Finance for the amount of the loan as sole signer. I provided all documentation for the car loan to be approved as requested. When I arrived to pick up my car and finish signing all of my paperwork I was informed at the time of pick up that I would have to have a co signer so i could complete my purchase because Exeter decided at the last minute that they changed their mind and would not accept my employment verification letter from my employer that proved my income and my new raise amount. I was mislead the entire time even after I paid for my vehicle to be shipped and paid my down payment. I had already sold my previous car and felt pressured and like I had no other choice but to have my fiance co sign on my loan. Thanks to un ethical treatment I got from Exeter I made a deal that I would have otherwise walked away from. This car loan that now shows on my credit report and my fiance 's report has damaged our financial health immensely. Because of this car loan showing on both of our credit reports we were not able to be approved for our home and have since received several denials.
Consumer complaint received 2022-11-13
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: Bread Financial Holdings, Inc. (GA)

Reached out to CCBXXXX and they advised me that they will investigate the claim and will be in contact with the credit bureau XXXX The account is fraud and now they sold it to a debt collector without corresponding with me so I can receive the information. The account information is below : XXXX {$3200.00}
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I made a complaint through this complaint process for Transunion and the complaint response did not address not XXXX thing that I complained about and the CFPB closed the investigation or complaint. The issue was never even addressed! Transunion refuses to unlock my online credit report so I can dispute inaccurate information. It already been over a year since I was able to access my Transunion credit report. This is my second complaint and I am ready to contact an attorney because I still can not get a live person, I can not access my Transunion credit report and I can not access to dispute the information. There is a XXXX car loan that needs to be removed! I can't do that because I can not get my account unlocked!
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.
Consumer complaint received 2022-11-27
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. (LA)

In accordance with the fair credit report act XXXX account # XXXX 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 reports a consumer reporting agency can not furnish a account without my consent
Consumer complaint received 2022-10-22
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)

On XX/XX/XXXX an Account from XXXX XXXX was verified as Fraudulent and removed from my credit report. 

On XX/XX/XXXX this account was placed back on my credit report even though it is fraudulent- the company in question, experian, also did not notify me within 5 days of reinserting it onto my credit report which is a violation of FCRA SECTION 611 ( A ) ( 5 ) ( B ) ( ii ), Cited here : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I sent a First Class mail delivered envelope to the company on XX/XX/XXXX - regarding this violation and still, this fraudulent account remains on my credit report. 

There has been no notification from the company regarding this matter.
Consumer complaint received 2022-11-22
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. (NJ)

I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.
Consumer complaint received 2022-11-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (CO)

Hello, I was recently XXXX  retired  from the XXXX this year in XXXX. I was never told that about this program helping with interest rate problems. I purchased my car in XXXX  with an interest rate at 19 %. Later on I was able to refinance to get what I thought would be a under 10 % rate but it was lowed to only 13.29 %. The refinance was with Navy Fed. I would like to know what I can do with your company to get this taken care of. I know that the interest rate was have been around 6 % when I was active. Thank you for your time.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I had some charges on discover card for {$6300.00} and i file fraud claim as those were not done by me. I asked them to provide the details on investigation and instead they send me a letter stating the all the charges are valid. I have filed a police report as well but they are not considering it. XXXX has reported to credit bureaus and my credit score went down drastically.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022, {$37.00} purchased a XXXX tights online. The product was received brand new but defected. So I contacted the merchant and merchant confirmed item was defected. However the merchant refuse to provide a return. Thus I file a claim with Chase return protection comes with my credit card benefit. The item fits the description on the advertise site on Chase that eligible for return protection. I attached a copy of their benefit page with this complaint. 

The bank rejected my case by 2 reasons : 1, Your item was not received in like-new/good working condition. Which is false, the item is brand new. Since it is defect it would never be in going working condition, and it is the whole reason I file the claim. Also on Chase benefit website there is never mention anything about 'good working condition ' in the first place. 

2, Items purchased outside the United States are not covered. Which is also false, it is an US website charged me USD. Chase is saying the company is headquartered on XXXX. However, that make no sense and if it is the case then all purchases from XXXX, XXXX, XXXX, and etc. are all not going to qualify for this protection? I never purchase this item outside of US and there was no currency exchange involved. 

Chase is giving me invalid statements to reject my claim which they advertise they provide you 'return protection '. This is not acceptable. When their customer spends XXXX  and trying to use one of the protection they advertised they turn them away.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (OK)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX Attn : XXXX XXXX Account # XXXX On XX/XX/22, I was unable to log in and make a payment prior to the due date of my loan whereby, the creditor had manipulated on-line user account access. I phoned XXXX XXXX, who thought I had established a good relationship with and was told they didnt support the XXXX XXXX debit card. 

The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because the creditor had scheduled it for the next day. According to XXXX XXXX, this is a fraudulent transaction and is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, XXXX XXXX would call asking me to re-loan, but I had to do it before the XXXX of the month, which is my pay date. Up until this point I paid my loans off with no problem. I didnt realize the new loan was due on my pay date, and another fee of over {$50.00} was assessed to my loan every month. The creditor utilizes a loop whole to charge additional interest and prevents me from paying the loan off sooner. This is a breach of contract since there are no penalties for paying the loan off early.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I am requesting a refund for a fraudulent transaction to the person who collected my money on behalf of his company to perform marketing services and failed to deliver, disappearing with my money. I am trying to refund money for a while and have no luck with the bank where I sent my money from. XXXX XXXX referred me to Zelle, saying that it was done through them and since transaction was authorized, they cant do refund. The problem is that the transaction was authorized to a scamming company and person knew that zelle payment wouldnt be able to reverse. So I am reporting this scam and asking for assistance from my financial institution and bureau to recover my lost funds. 

Details of transaction : Zelle payment made to XXXX XXXX on XX/XX/XXXX for {$4500.00} Zelle payment made to XXXX XXXX on XX/XX/XXXX. 
Service that is supposed to be delivered- management of marketplace and marketing it under my personal account. 
Company collected money, failed to perform promised services and disappeared without answering calls and emails. 

I have sent few disputes through my XXXX XXXX and was denied since transaction was done through zelle. Zelle told me to contact my bank since transaction happened through online banking. It is a tricky situation where nobody wants to help or take any responsibility for scam transactions leaving me alone against this situation and letting these transactions happen to other innocent people. Something has to be done to protect consumers when banks cant solve such issues. 

Please help me to find justice and refund my money from zelle transaction.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

I checked my credit report with XXXX XXXX and there was a collection on it for {$480.00}. I don't know what this is. It said it was opened on XX/XX/2020. There is no account number. The company is XXXX XXXX XXXX, XXXX. I called this company and they said I did not have an account with them. It was sent to a collection company. AMSHER Collection Services. I have no idea what this is about. Please help.