davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (GA)

I am sure that you aware that current Federal case law states that, Consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed 1681 ( a ) ( 4 ). I have reviewed all three of my reports an noticed inaccurate information that I have asked to be verified an HAVE NOT been properly or formally notified which is against METRO 2 COMPLIANCE. They have NOT provided me, as requested in my first letter a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; 611 ( a ) ( 5 ) ( A ) ( a consumer contract bearing MY signature ) and under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. 

Account : TRANSUNION. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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)

There's information that's on my consumer report that is a result of identity theft and fraud. I did not provide permission to anyone to TRAFFIC my personal identifying information that is being reported on my consumer report. Also I have the right of privacy as a consumer. And my privacy rights has been violated.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2020, I sold my car, leased through Ally Financial XXXX, to a car dealership in XXXX, FL. Ally was paid the {$21000.00} they quoted the car dealership ( XXXX XXXX XXXX ) for the buyout of the car per their own online records on XX/XX/2020. This should have terminated our legal relationship. HOWEVER, as of today Ally 's website claims I still owe {$3000.00}. I have called Ally on multiple occasions asking why this is and was told they were just still processing the paperwork. Today I received an email saying my bill from Ally was past due! I HAVE NO BILLS WITH ALLY!! I called and they said they still haven't received some piece of paperwork from the car dealership. THIS IS NOT MY PROBLEM! They received their {$21000.00}! Our legal relationship is severed. They have also, apparently tacked on an illegal late fee. They already received the full amount money for the car. If they report my account as overdue to credit agencies I also reserve the right to sue them for damaging my credit.
Consumer complaint received 2022-10-31
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 XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I had opened a paypal account in XXXX of XXXX the email associated with the account is XXXX my name is XXXX XXXX birthday : XX/XX/XXXX Last 4 of social : XXXX Phone number : XXXX or XXXX A few days after I opened it I had set up my unemployment claim to direct deposit my benefits to my PayPal account so I got a {$250.00} deposit on XX/XX/XXXX Paypal then decided to freeze my account due to problems with past accounts linked to me they permanently closed my account and told me they would email me when they have decided to release my funds but that they could legally hold my money for 6 months I submitted a previous complaint to the bureau about this and paypal responded and said my funds would be held for the full 6 months and that they would be available on XX/XX/XXXX they were supposed to email me but I havent received an email about it I sent an email today to their executive escalation department but havent heard anything I sent them a picture of their response to my previous complaint and I also sent them banking info where I would like my funds transferred too I am attaching their response from my previous complaint
Consumer complaint received 2021-01-18
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: DISCOVER BANK (NJ)

Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-18
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Consumer complaint received 2017-05-17
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: ALLY FINANCIAL INC. (TX)

On  XX/XX/XXXX  I applied for credit through  XXXX   XXXX .  Ally Financial  ran my credit   XXXX  , resulting in  XXXX  inquiries fro m Ally Financial o n my credit report on the same  day. Ally Financial ne eds to remove  XXXX  of the inquiries. Obviously,  XXXX  of the inquiries is valid and should stay. I disputed the   XXXX    inquiry indirectly through  XX/XX/XXXX  and received a response that the inquiry was authorized, therefore it was not removed ( see attached ). I then wrote a letter t o Ally Financial  and disputed the  XXXX  inquiry directly with them on  XX/XX/XXXX  ( see attached ). I was very clear in my letter that I agree  XXXX  of the inquiries is valid, but the  XXXX  inquiry is NOT valid and should be removed from my   XXXX   credit report. I received a response dated  XX/XX/XXXX  that was very generic and simply said that the inquiry was valid ( see attached ). They did not address or otherwise explain why there were  XXXX  inquiries on my credit report from their company. I have attached a copy of my  XXXX  credit report showing the  XXXX  inquiries.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Theres a XXXX XXXX XXXX XXXX account reported on my credit file with the bureau of TransUnion which I've disputed several times as part of my rights according to the FCRA XXXX along with an address thats not associated with myself ; reported XX/XX/XXXX which they refuse to comply and remove. The 'XXXX  XXXX XXXX XXXX account they mention is verified as accurate which I also disputed again on XX/XX/XXXX, which it's now more than 30 days. They have not removed neither the account nor address, and hadn't hear a reply back from them regarding this unverified account to be deleted as mentioned not mine.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (CA)

After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, XXXX, and Equifax credit files, I received form letter responses and no action was taken. 

I then contacted XXXX XXXX, and Equifax regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.
Consumer complaint received 2023-02-20
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. (PA)

A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi on XX/XX/2021 I was approved for a Walmart Capital One Credit card to be used only at Walmart. After applying for the credit in the terms it stated that I could immediately use my card. I tried to make a purchase of {$88.00} on XX/XX/2021 and XX/XX/2021 Both orders Were Canceled immediately. Due to the Verification System Process. I called to ask what the Problem was in order to make purchases and Was told that their System automatically does this. That my available Credit was Placed on Hold and that I had to wait 1 to 5 Business days for the credit to become available. Although my transactions were canceled from their end online. I called back to express my frustration and Experience as a New Cardmember and Consumer. And Stated that It should not be so difficult to make a New purchase and that No holds should be placed on transactions that were automatically canceled after I Placed an order. A representative issued me two {$10.00} promotions to use for future orders. Yet my problem still isnt resolved. I called capital One to check my balance and availability of credit and its stating Zero when only One transaction went through for the amount of {$110.00} My other credit is Still on hold and Im unable to use what I need for a gift and my household. I also called to put in a dispute because the information on the automated System of Capital one is inaccurate. Its stating that my credit limit was used and its Not. Only one Transaction took place
Consumer complaint received 2022-10-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX, 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. XXXXXXXX XXXX has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX AND XXXXXXXX XXXX They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (TN)

I have been contacted by Linebarger Goggan Blair & Sampson, LLP acting as a 'debt collector '. The actions of Linebarger Goggan Blair & Sampson, LLP as a 'debt collector ' include the use of coercion and harassment to procure unlawful and illegal payments for an 'alleged debt ' and violate 15 USC 1692 and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. XXXX ( see attached ).. I do not know, nor do I have any contract with the entity Linebarger Goggan Blair & Sampson, LLP.
Consumer complaint received 2021-01-18
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. (KY)

There is an inquiry from XXXX XXXX reporting on my report that does not belong to me. XXXX XXXX  has agreed to delete the inquiry from all bureaus but it is still showing on my Equifax report. 

This is the statement from XXXX XXXX  ( XXXX  ) We have reviewed your complaint and found an application was submitted on XXXX XXXX, 2020, using information that verified to you. We have accepted the application as Fraudulent. '' We have asked the credit reporting agencies to delete the credit inquiry from your credit report.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

i worked for a XXXX XXXX and i liked a vehicle that came in, i talked to owner and we worked out a deal that i can slowly pay off the down payment along with truck payments, i made payments and he would take down payment out of my checks, after a few months ' work slowed down and i seeked other work i let him know, he got all upset threating me to repo the truck and taking me to small claims court, i turned in my invoices for my final pay check and he messaged me saying Hes keeping my check for truck payment, two days later he had my truck repoed and was on mine and my wife 's credit. from XX/XX/22 to XX/XX/22 they received {$730.00} in payments and took over {$1100.00} in my pay checks from invoices, then repoed my truck XX/XX/22
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

First, I received notification that my application for the one-time Student Loan Debt Relief Plan was approved. Then, I received an email stating that was a mistake due to a vendor error. This massive mountain of debt causes me undue stress and anxiety on a daily basis. It prevents me from doing a lot of things, like becoming a homeowner. These XXXX XXXX notifications spitting out conflicting information that deeply affects millions of lives are irresponsible and negligent. They add to the mental strain and perpetual emotional roller coaster and are extremely taxing and harmful to my health and wellbeing. Im not sure what entity is responsible but they should be investigated, prosecuted and fined for the mass uncertainty and chaos caused by their careless, thoughtless and incompetent actions. In addition I spent XXXX hours on hold to finally speak to a representative who was very helpful. After I submitted my PSLF application I finally received a notification from MOHELA that only 3 payments were eligible and that I still need to pay XXXX. I had previously understood that all my payments over five years Ive worked for the government entity should be counted and that I would receive credit for making every payment through the pandemic forbearance. I requested a refund of those payments weeks and weeks ago. This company can not handle the volume and they are an inaccessible monolith.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC .

They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, Unfair business practices : I was told the account would be deleted and is still being reported. 
I never got first notice of collection, Breach of contract, Failure to send late payment notice, Failing to register in the California and Massachusetts secretary of state. 

Account number 1 : Opened date : XXXX XXXX, XXXX Balance : {$0.00} Highest Balance : {$94.00} Type : Collection Account Account number 2 : Opened date XXXX. XXXX, XXXX Balance : {$0.00} Highest Balance : {$110.00} Type : Collection Account My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .