davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (OK)

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. 
To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 


These are clear violations of my federally protected consumer rights
Consumer complaint received 2022-05-21
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. (MI)

Hi I just recently applied for an XXXX XXXX XXXX XXXX card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-05-21
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 confidentiality under 15 USC 1681. 
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 2022-05-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (MS)

After bring a customer of XXXX XXXX XXXX for approx. 20 years, they began fraudulently charging me for services not used and after termination of services. They placed fraudulent debt on my credit report through multiple collection agencies. The debt has been removed numerous times but has now reappeared as a collections account by Radius Global Solutions. The account, which is several years old, is fully disputed yet XXXX XXXX  XXXX and Radius Global Solitions have fraudulently listed the alleged debt as a new debt. This is fraudlent, it's harassment, and it's illegal. The is at least 4 to 5 years old now. I have asked XXXX XXXX XXXX countless times to sue me and take me to trial. They refuse to do so because they know they will lose.
Consumer complaint received 2022-05-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-21
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-21
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.
Consumer complaint received 2019-07-03
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: CITIBANK, N.A. (CT)

An extra charge was made to my credit card, {$300.00} ( or XXXX  XXXX XXXX ), during my booking XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX. I had disputed the charge with Citi card company, Citi card company never wants to resolved the issue. After I directly discussed with the hotel, XXXX XXXX XXXX XXXX realized the mistake or the mischarge, and had reimbursed/cancelled to Citi card company with the amount of XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX  but the money has not been to my card yet after four months. I have called the credit card company a couple of times, the issue has never been resolved.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

XXXX XXXX with XXXX cellular service was cancelled on XX/XX/2022. I continued to receive bills until XXXX of 2022 stating I owed {$170.00}. That amount was turned over to XXXX XXXX and then to AmSher Collections and had increased to {$180.00}. I attempted getting this settled with XXXX at there store at XXXX XXXX XXXX, XXXX, XXXX  and also by numerous telephone calls to their customer service department. It never ended with a resolution. I have documentation from them that shows i paid the phone amount and the bill. It shows {$0.00} amount for the lease phone and last charges paid of {$36.00}. I have sent this information to AmSher, to XXXX and to XXXX as disputes. With no satisfactory resolution. I cancelled the service, through the steps I was given by their CS rep. I could not return the phone to the store at that time ( XX/XX/XXXX ) because the service had been cancelled. The store rep called customer service for return shipping label for the phone and they were told it could not be done because the phone service had been cancelled. I then received a " return your device as soon as possible '' letter dated XX/XX/2022 stating to return the device no later than XXXX days ( XX/XX/2022 ). I did so on XX/XX/2022, paid the fees/cost for the return and received a {$0.00} balance owed letter for the phone and a paid receipt for the last amount owed on the service of {$36.00} or {$37.00}. This needs to be further investigated on why I have a collection on my record. No one thus far has told me EXACTLY how I owe these charges.
Consumer complaint received 2022-05-21
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. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error nor is it being made by a third party. 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. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  XXXX-Account Number : XXXX, XXXX XXXX  - Account Number : XXXX, XXXXAccount Number XXXX XXXX, XXXX-Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX XXXX XXXX XXXX-Account Number : XXXX, XXXX XXXXAccount Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX-Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX- Account NumberXXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX 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 a account without my written instructions
Consumer complaint received 2023-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: ALLY FINANCIAL INC. (FL)

Back in XXXX ally bank offered a 1 percent cash promo if u deposited new founds and left them in the bank until XX/XX/2023. The bank did not say previous withdrawals would effect the cash promo as long as u deposited by XX/XX/XXXX and left funds in Ally till XX/XX/2023. Im opened a cd for XXXX XX/XX/2023 and left the money in the bank way past XX/XX/2023 therefore meeting the requirements. This should have entitled me to XXXX cash promo However since i moved money from ally before I opened the cd Im not not elegible. I should have been told that before i opened the XXXX k cd but I was told different as long as I deposited from another bank I would be eligible for the bonus. Ally bank is running a complete scam regarding this cash promo Thanku
Consumer complaint received 2019-07-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Consumer complaint received 2022-05-21
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. (NY)

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MD)

On XX/XX/2022 I received a text from Citibank as follows Did you make a wire transfer for XXXX from acct ending XXXX on XXXX? Yes=1, No=2 or call XXXX. Reply STOP to Opt-Out I called the number as soon as I read the text. I spoke to someone named XXXX XXXX who said the money was already transferred and there was nothing she could do. She gave me the number to the fraud department. I asked if she could tell me what bank the money was transferred to. She told me the money went to a XXXX XXXX XXXX  account # XXXX in the name of XXXX XXXX. I told her I didnt know anyone by that name. She gave me a claim number XXXX and told me I needed to go to my Citibank branch at XXXX XXXX XXXX to file an affidavit of forgery. I filed the affidavit of forgery as I was instructed to and expected that my funds would be returned to me but instead, I got a letter of denial stating the decision was based on You did not take adequate steps to safeguard your account information and directly contributed to allowing the transaction ( s ) in question to take place After this initial denial, I filed 2 more claims and got the same response. At this time, I simply want my funds returned to me. I have worked hard over the years to save this money and now it was all just taken from me and I now have to wonder about my bills and other commitments being paid this emergency fund just vanished because they did not protect my funds ; no one called me when such a large transfer was initiated from my account. Of note, on XX/XX/XXXX there was an attempt to transfer XXXX from my account and that transaction was aborted since I didnt verify information that was requested on the phone when someone called saying they were calling from Citibank . I called the Fraud Department today XX/XX/XXXX and the person with whom i started a conversation hung up the phone on me. I have been to the branch several times and no one has done anything to return my money to me. It is almost impossible to speak to a live fraud investigator. I have gone to the police but I was told this is not a matter they can investigate. I need your help to get my money returned to me. I have worked many years laboring hard to earn and save this money.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NC)

I have had my Wells Fargo credit card since XXXX. The account started as a secured credit card which was converted to a non-secured card in XXXX. My account has always been in good standing yet every credit line increase I requested has been denied. I think that because I have been a good standing customer for the last 9 years should account for something in regards to my credit line increase request
Consumer complaint received 2022-05-21
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the USC 1681. 

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 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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2019-07-04
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (CA)

I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (CA)

I was not aware that this account was opened using my information. I was only made aware when I began trying to repair my credit recently. That is when I had spotted this account, which was only opened for a few months then closed. This account was opened without my knowledge, I have already notified the bureaus and filed a police report.