davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (CT)

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 # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX Account XXXX account # beginning in XXXX, and XXXX XXXX  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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rent Recovery Solutions (TX)

Company is on my credit report as collections for charges of {$99.00}. I have never stayed at the address on file nor have agreement or lease contract with apartments complex. I have requested that this inaccuracy be removed from my credit. But still this company has not rectify this issue.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX  Account XXXX  account # beginning in XXXX, and XXXX XXXX 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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 2022-10-17
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. (VA)

Credit agency failed to conduct a reasonable reinvestigation on the disputed information due 30 days from the date they received the dispute for the follow items : XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX  {$14000.00} XXXXXXXX XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX {$2700.00} XXXX {$1400.00} XXXX {$8800.00} XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$16000.00} XXXX {$3500.00} XXXX XXXX - XXXX {$4700.00} Unauthorized Inquires : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have willfully failed to delete the disputed accounts and unauthorized inquires that are not tied to any accounts because you said it remains and that inquires are factual. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my disputes. Note, you have no reasonable determination that my dispute was frivolous or irrelevant nor have you sent me notice of such determination that complies with the FCRA.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America checking account. I mailed a check number XXXX to pay my estimated income tax. It was cashed on XX/XX/XXXX, and my bank statement reported it as " XXXX XXXX XXXX XXXX XXXX PAYMENT CHECK # XXXXXXXX XXXX : XXXX XXXX  ... '' in the amount of {$1200.00}. It was debited to my checking account. 

On XX/XX/XXXX, I received a letter from the IRS saying that I owed them {$1000.00}. ( I was expecting a refund of {$150.00}, and XXXX XXXX XXXX XXXXXXXX {$1000.00}. ) It showed three estimated tax payments but not the one on XX/XX/XXXX. First I contacted the IRS to see if they had mistaken that check for another tax year or another tax return. After researching, they said no, they never received that check. 

On XX/XX/XXXX I called the Bank of America. They asked if I had a check image. No, when I clicked on my old bank statement a message said, " No image is available for this check because it was processed by the merchant as an electronic transaction. '' They connected me to the fraud department at XXXX, where they told me that they would verify with the Treasury Department and in any case I would be credited the {$1200.00} within 10 business days. They gave me a dispute number XXXX. 

On XX/XX/XXXX I called to ask the status of my complaint, and I was told that they were researching with the IRS, escalating to the back office, and to expect a resolution by XX/XX/XXXX. 

On XX/XX/XXXX I received a call from the XXXX dispute office. I was told that the fraud department was not the right department to pursue this claim, and that they were closing the fraud claim and opening a new XXXX dispute claim. I could still use the same dispute number. A representative named XXXX said she would take full responsibility for this case. I never heard from XXXX again. 

On XX/XX/XXXX I called for an update. I was told that the dispute was now a " non-Reg E '' dispute, which they declined to explain to me, and that the clock for resolution had restarted on XX/XX/XXXX and was due in 45 days. Distrubingly, they also said that they would not reimburse me until the Treasury Department completed their investigation. I asked, what if the Treasury Department never completes their investigation? They declined to answer. I pointed out that, since they did not furnish me with a check image, they were responsible for reimbursement. 

Skipping over other calls, on XX/XX/XXXX at XXXX XXXX  I called the XXXX dispute office at XXXX, where an automated message said that an alert would be sent to my phone, linking to a status report on my dispute. Forty-five minutes later, it has not arrived. 
Incidentally, I am a so-called " XXXX XXXX  XXXX XXXX ''.
Consumer complaint received 2023-09-28
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}
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. (CA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A states I have the right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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 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. (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 XXXX XXXX XXXX XXXX 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. 

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation ()

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
WORLD FINANCE XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2023 I file a dispute with XXXX Equifax and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: TD BANK US HOLDING COMPANY (FL)

These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX  Acct # XXXX Open XX/XX/XXXX Credit Amount : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Consumer complaint received 2024-04-24
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota Financial Services ( TFS ) transferred responsibility for an auto loan from my deceased mother to me but has not performed its agreement to authorize a Title in my name with a lien, so as a result I can not legally drive the vehicle because I can not register the vehicle. 

XXXX  My mother died on XX/XX/XXXX and my sister and I inherited the vehicle. My mother had an auto loan from TFS for the vehicle and I began payments on the loan using my own money. The State of Michigan vehicle Title identifies my mother as the owner and " Toyota Motor Credit Corporation '' ( TMCC ) ( the parent company of TFS ) as the Secured Party and lienholder. 

XXXX  The vehicle 's registration expired in XX/XX/XXXX. It is not legal to drive the vehicle without current registration. Michigan will not renew the registration because the owner listed in the Title is deceased. Michigan told me that it will only transfer the Title to my sister and me if it receives a letter from the lien holder ( TMCC or its agent TFS ) authorizing the transfer. 

XXXX  I told TFS that I would accept responsibility for the loan if TFS authorized transfer of Title to me and that TFS could retain its status as a Secured Party and lienholder.

XXXX TFS approved my request to transfer the loan to me, but instead of transferring the Title at the same time, set me a letter ( ATTACHED ) dated XX/XX/XXXX informing me that a Title transfer will occur later. 

XXXX I telephoned TFS twice on XX/XX/XXXX about the status of the Title transfer. In the first call, the TFS representative told me that TFS would not send me a Title until the loan was paid off and then hung up on me. In the second call, the TFS representative told me that TFS would authorize a new Title but there was a procedural complication because my residence is in Virginia and the existing Title is from Michigan ( the vehicle is in Michigan and will only be used in Michigan ). I have received no communication from TFS about the Title since then. 


I am still unable to drive the vehicle legally XXXX over seven months after my mother 's death, over two months after TFS 's XXXX letter, and even though I have paid {$5800.00} to TFS since XX/XX/XXXX.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (TN)

XX/XX/XXXX - received summons of lawsuit from the county with an issue date of XX/XX/XXXX stating I have 30 days to defend my property. 

Spoke with the Essex Mortgage representative, XXXX. XXXX stated there were two payments made - one in XX/XX/XXXX and another in XX/XX/XXXX. 

XXXX property taxes due. Current balance is {$1900.00} and unpaid.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (SC)

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 ACOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires, unverified and unauthorized items that must be removed. I have attached the FTC report and I would like to dispute the accounts below. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information from my credit report. INQUIRIES XXXX XXXX XXXX XXXX XXXX THERE ARE XXXX XXXX XXXX INQURIES THAT I LISTED THAT ARE FRAUDULENT PLEASE REMOVE BOTH.ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.I also received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within XXXX days of the receipt of this letter. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX XXXX-ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXX XXXX XXXX # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.ACCT XXXX XXXX XXXX XXXX OPENED ON XX/XX/2016 In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.ACCT NAME : XXXX XXXX XXXX # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

i been trying out of good faith t pay two medical bills from phoenix financial service my last payment made on XX/XX/XXXX of XXXX dollars was not applied i have my bank statements and it shows on their website it was recieved yet my balance did not go down, i attempetd to call them evry other day they are very rude and wont help specially the woman floor manager at this point i have my proof papaerwork and have tried doing my part
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A states I have the right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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.