davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
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. (IL)

Unfortunately, this happened to me, and somehow maybe because I have used a lot of internet store and media my personal info went to wrong place, so someone have been used my information and tried to be applied for credit cards or loans, not sure, so I have gotten a several had inquires on my report that I have never authorized, I became a victim of Identity theft. 
Here is these items : XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 These hard inquires are not mine and must be deleted immediately from my report. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Please note I have attached a copy of FTC Report with my driver License - it shows my current address and my SSN card
Consumer complaint received 2022-10-18
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. (GA)

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting 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)

On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX At the XXXX XXXX located in XXXX Florida, little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take 3 months to sell and it has been 3 years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] [ Experian XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-01-20
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)

Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Equifax Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written permission/ consent to report anything on my consumer report. No consent means Identity theft which Equifax can be held criminally liable Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted XXXX in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022, I applied for a credit line with XXXX. I completed the application and received a message that read : " We require additional information. '' With that, my browser crashed and I could not get back to that screen. I called and tried to get answers. Over 2 hours, I was disconnected 3x, transferred around, and given conflicting information. 

I wrote to the office of the president and never heard anything back until today. I received a voicemail from someone claiming to be XXXX. She left a phone number and an extension. After trying that number 3-4 times, I still could not get through. 

I called and spoke to a manager and she said there is no record of my application at all. When I asked her why I showed the inquiry but they don't have the application, she could not answer. She also said she could not tell me how to remove the inquiry. 

So after nearly 2 weeks and hours on the phone, I still have no idea what the status of my application is. They asked me to re-submit it but now, my credit score is lower due to their mishandling of the application.
Consumer complaint received 2022-10-18
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. (FL)

I've called and mailed a certified letter to the following lenders and credit agency on XX/XX/XXXX, informing them about the incorrect information that's reporting on my credit report. I don't recognize either company, I've expressed my concern and I have yet to receive any correspondence that the following inquires were removed. 

Transunion XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.
Consumer complaint received 2024-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (NC)

US Bank fails to correctly support XXXX. I setup an auto transaction and US bank sent me a confirmation email 3 days prior and when time came it was wiped out with no record. I called customer service and they they can say is that there is no record. Attaching confirmation email for setup if possible.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (CA)

I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (CA)

To Whom It XXXX Concern : On XX/XX/XXXX for some reason I have a late payment recorded on my credit from Wells Fargo bank. I tried to remove it and the costumer service lady stated that it will be removed. XXXX XXXX XXXX XXXX  with XXXX  I asked my friend to take care of my bills. I am not sure what must of happened for some reason my payment did not go through. Same thing occurred again in XX/XX/XXXX. I am not sure why both of this times my payments have not been posted. I called Wells Fargo the lady stated that it will be removed as a first time curtesy. I am trying to purchase a house for the first time and its really affecting my credit score. I am asking for Wells Fargo to please remove this two late payments from my credit report. It's been very difficult two years after recovering from XXXX and losing so many family members. 

Thank you,
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

I got my checking and debt card blocked due circumstances beyond my own doing. Truist bank accused me of fraudulent because my account was overdrawn by XXXX dollars, and the check from insurance company, was not honored by XXXX XXXX stop payment on the check. All the information was presented to me by the bank itself. Now, I can not fuction normally my daily life. I am seeking legal action against as well.
Consumer complaint received 2022-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Imperial Recovery Consultants, LLC (DE)

First and foremost, I checked no to fixing this debt because I do not know what debt this apparently is. 

Secondly- a lady called my father today XX/XX/2023 telling him because he is my father he has to give her my information and because he's not shes going to send the detectives and have me arrested. 

Thirdly- someone called my husband from an XXXX number and it was a recording saying that I missed a delivery and they need my contact information for delivery. 

My father/mother 's information is XXXX, XXXX and XXXX My husbands number is XXXX I have never received any calls no nothing. No calls, emails, no letters and or bills in the mail. 

The company was XXXX and the number was XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (MI)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 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 XXXX5 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. 1681 s-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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2022-10-18
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. (AR)

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT