davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX 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
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Notice to all, I know that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives therefor for the surnames/given XXXX, XXXX, and I have appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high creation only, whoever that may be, and I dispose the following facts, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit Credit Acceptance is in violation of 15 usc 1605. ( a ) ( c ). this transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Credit Acceptance did not include my insurance in my finance charge. 

Credit Acceptance has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). XXXX XXXX XXXX cant extend credit to me, nor validate creditor for me, as I'm the natural and original creditor. 

On XX/XX/2016, I went into a finance agreement with my identifying information. During that time I was charged a finance charge, which did not include my insurance, and a {$4000.00} cash payment was taken and not added to my total charge. 

I've tried to settle this with Credit Acceptance for three years and they REFUSE to Abide by the law and my CEASE and Desist letter. They will not accept my affidavit of truth. Instead they use deciftul tactics and send me a bill stating that I requested a bill, which is false. They're committing crimes and using false tactics to ruin my reputation. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above and validating debt as if they're in fact XXXX XXXX.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Consumer complaint received 2021-08-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

The mortgage company has not contacted me regarding assuming the loan after my husband 's death but they have spoken to an unauthorized third party - the office at our mobile home park - and told them that they are " evicting me ''. I already complained in another complaint yesterday about the lawsuit they filed against me for occupancy. 

As a result of them speaking with the unauthorized third party I received a phone call from Texas Rental Relief about my application for funds for the back rent. Texas Rental Relief stated that the office at the mobile home park is refusing to accept funds for the back rent because the mortgage company told them they were " evicting '' me. In fact they are attempting to illegally gain occupancy by not allowing me access to loss mitigation and not assisting me with assuming the loan.

Now I am not only being denied assistance with loss mitigation with regards to my home but also being denied access to federal funding made available for people suffering from financial impact due to Covid-19.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I wrote 2 checks that were stolen from a mailbox and cashed by the person who stole them. 

On XX/XX/2022, I wrote one check for {$1900.00} from my XXXX Checking account to mail to the mortgage company and I wrote one check for {$1800.00} from my XXXX  XXXX XXXX checking account to pay the building management company. These are monthly payments that I mail to each company. 

These checks ended up being stolen directly from the mailbox. The checks were then cashed by the thief at a Citibank branch. Apparently, this has been happening in the neighborhood, according to the Police. Since, the checks where cashed, I took several months to determine that the checks never reached their destination. XXXX and XXXX informed me that the checks were cashed at Citibank in XXXX XXXX XXXXXXXX. I then opened claims with both XXXX and XXXX. It was found out that not only were the checks cashed by someone other than who they were written to, the checks where cashed without endorsements. I have no idea how this is possible. 

Over the next several months, both banks informed me that they were getting nowhere with their investigations and did not here back from Citibank. Citibank indicated that they were investigating. During this time, I filed a police report. It's been 6 months, and still no resolution has been reached. It seems to me the banks want to forget this.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of certain accounts on my credit file, asserting that they violate my federally protected consumer rights under the Fair Credit Reporting Act. These accounts must be promptly removed to comply with relevant legal provisions.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, and XXXX continue to report an alleged bankruptcy without any providing any documentation to me to validate this. Who did they talk to to validate this information. Furthermore they need my written consent to report any information about me.
Consumer complaint received 2021-08-03
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

This is a car that I purchased for my child and what she hit a XXXX. The insurance paid off most of the debt and I contacted them to pay off the rest I settled for a less amount and paid over half of the amount. This that was not even theirs it was to a totally different company that went out of business. They did not follow through with their part of the bargain and remove this from my credit.
Consumer complaint received 2021-08-02
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. (CA)

I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with this?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had a checking account with Wells Fargo and after doing a job I was paid with a check and I had deposited the check into my account and the bank said the check was bad and just closed my account without warning. Now I can't open an account anywhere
Consumer complaint received 2021-08-03
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: Santander Consumer USA Holdings Inc. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX # XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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)

After reviewing your letter which I attached from your company, Experian, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Experian now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2021-08-02
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)

Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the XXXX 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX Nexus IS NOT the US Bankruptcy Court. 

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX
Consumer complaint received 2021-08-02
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. (FL)

Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX inquiry Date : XX/XX/year>
Consumer complaint received 2021-08-03
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. (GA)

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. Experian, XXXX  and XXXX  should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Consumer complaint received 2021-08-03
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. (GA)

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. XXXX, XXXX  and Transunion should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My checking account was utilized to deposit fraudulent checks. Once I noticed deposits into my account of roughly {$10000.00}, I placed a claim with my bank. After the claim was processed, the bank closed and dismissed it. However, the transactions made in my name were false for I did not authorize them yet the did authorize regardless of them being fraudulent.
Consumer complaint received 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (MD)

Earnin is supposed to lend money out in between pay checks. They get paid back AFTER I get paid. Their policy states that they make sure that they won't deduct money from an account until AFTER a paycheck posts. This is a lie. On XX/XX/2023, they attempted to deduct {$840.00} BERORE i got paid. It cause overdraft fees and extensive stress on my part as they DRAINED my account. 
They also have no legitimate phone number and force customers to communicate via an outdated chat option in their app. I spent 3 hours trying to solve the problem and it took three escalations before anyone UNDERSTOOD that they can't take money out of my account before I get paid. They just said if I get overdraft fees, they would refund me, like that was OK. Supposedly after three hours, they fixed the next deductions to occur on XX/XX/XXXX. 
However, today, I was informed by the app that they would be deducting {$520.00} TODAY, 13 days early!!! Again, the only contact they provide is through their awful chat feature. So i spent several hours and they kept either not understanding ( with pictures provided ) or played XXXX to try to get me to give up my complaint. I had to move all the money out of my account to prevent them from draining my account a SECOND TIME in four days. I had to take off work 2 hours early to deal with their fraud, theft and broken company. I had to take off work and the 6 hours wasted on chat. I repeatedly asked to speak with someone and they refused over and over again.
Consumer complaint received 2021-08-03
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: TD BANK US HOLDING COMPANY (CT)

Raymour & Flanigan-TD Bank is trying to cover up the fact one of their employees were attempting to steal my identity and use my card. I had this card for almost two years until only an employee couldve pulled an unauthorized credit check on me when to my surprise the letter of credit inquiry made me check to see where my credit card was at that time. It was then I realized my card was stolen. I am fortune I stop the criminals and canceled my Raymour Flanigan Furniture Credit Card promptly. Now these vicious creditors are trying to report my card wasnt stolen. My card was reported stolen from XXXX of XXXX toXX/XX/2021 Raymour Flanigan erred in their dates I reported my card stolen : Raymour Flanigan List the year ( XXXX ) ; the reported theft was in XXXX XXXX XX/XX/XXXX ; Finally, Who- authorized a credit inquiry on a card that was-not in my possession, unknown prior to incident that my credit card was stolen. 
Most Important, I called & emailed and completed the following steps to protect my identity and credit :. Raymour Flan, 2. all the creditor bureaus, identity theft.gov, and the Fair Trade Commission and CFPB : I want my card properly reported as stolen and reported with all agencies, and the card closed by me the consumer!
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A close review of my credit report I noticed that the balances reporting are incorrect. The high balance reports as {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), and {$14000.00} ( Equifax ). According to the information received the balance originated at {$21000.00} which is inaccurate reporting. According to XXXX the deficiency balance is {$7300.00} however on the accounting report sent to me the balance is {$5200.00}. Clearly there are some discrepancies reporting on my credit report.