davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (AZ)

In accordance with the fair credit reporting act. XXXX  XXXX  # XXXX. XXXX XXXX XXXX  # XXXX or # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (MO)

We have received repeated calls from XXXX, formerly the XXXX pages over the past couple years. They claimed we owed them money that we do not in fact owe. Recently they have submitted our information to some other company that refuses to tell us the name. 
We get calls from XXXX daily asking to speak with the business owner. When you tell them the business owner is not available, they ask to leave a message. 
On XX/XX/21 I took a call from XXXX and she told me that the call back number was XXXX. They will never tell me the name of their business. 
When they have spoken to the owner, they claim to be attempting to collect the debt from XXXX.
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Accord Business Funding, LLC (NY)

On XX/XX/XXXX I received a phone call from a gentleman saying he was representing an attorney by the name of XXXX XXXX. The phone number he used to call me was ( XXXX ) XXXX. Knowing I do not have any debts, I suspected it was a scam and hung up the phone. The man then proceeded rapid texting me in a harassing way, making threats to place liens on my current business. He referenced my personal bankruptcy, and that I was still operating a former business, however the referenced business has been non-operational since XXXX. I did not respond to the initial text messages. He then proceeded to text me again on XX/XX/XXXX, again making threats to send liens to current clients, who have nothing to do with my former business, and stating their is a UCC lien with my Secretary of State, saying they have been asked to enforce it. That is a lie. He then proceeded to tell me to call his phone number, which was a different one than the one he was texting me from. This number was XXXX. I have maintained this text dialogue on my phone should it need to be reviewed. We went back and forth in communication, where I told him the business of which was included in my bankruptcy he was referencing has been non-operational since XXXX. Also, despite saying he represented XXXX XXXX the day prior, he now said his name was XXXX XXXX, and the attorney 's name is XXXX XXXX of XXXX XXXX. He finally said the creditor is XXXX XXXX XXXX, but no mention of amount, account #, etc. I reviewed my bankruptcy, of which was filed in XXXX, and found them listed in the bankruptcy as a creditor. He says his next step is to send me an email. I did not send him my email, so I do not know if he will truly do that, or if he actually has a copy of my email. Regardless, he is harassing me, and I need it to stop. He has no justification to collect this debt that was discharged in bankruptcy court. All creditors were notified prior to the court date, and no one showed. Therefore, he needs to go away.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$560.00} XXXX  XXXXXXXXBalance {$440.00} XXXX XXXX-Balance {$840.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$0.00}
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting act # XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-06
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. (CO)

Experian is reporting ( 4 ) duplicate entries on the XXXX XXXX XXXX - account number XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 4, 5, 6, and 7 of the attached credit report. ) These multiple entries are for the same amount of {$100.00} ; reporting the same start date and the same reporting date. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items, however I have not been successful.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed XXXX, XXXX and XXXX XXXX credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2022-05-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX we contacted Nissan Motor Acceptance Company to negotiate a settlement of XXXXXXXX XXXX delinquent car lease agreement. We spoke to XXXX and she said that the collections balance of XXXX had been referred to XXXX XXXX XXXX XXXX. So we contacted this company at XXXX and they confirmed they were collecting on behalf of Nissan Motor Acceptance Company. The stated that they could offer a settlement amount of {$2800.00} to consider the account satisfied. We requested this offer in writing and they sent it to XXXX that same day ( she received it in the mail a few days later ). XXXX sent a cashier 's check in the above amount via certified mail to the address for XXXX XXXX XXXX XXXX listed on the letter on XX/XX/2022. Then on XX/XX/2022 XXXX received a statement from Nissan Motor Acceptance Company attempting to collect the remaining balance of the original {$7000.00}. This is incorrect because the amount she sent was accepted in settlement of the debt and all collection activities were to cease. I, XXXX XXXX, am submitting this complaint on her behalf.
Consumer complaint received 2019-09-06
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. (VA)

I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, Equifax and other credit reports in which I did not consent to.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (GA)

This company supplied fraudulent information and has NEVER supplied a promissory note with my signature on it- only a fake contract that says e signature which Ive never seen before in my life that has my personal information on it that I did NOT provide to them- is NOT a validation of debt. I will complain again until this item is removed from my credit report. 

I have asked for a copy of a SIGNED contract- they have never supplied this information but continue to try to say I owe a debt for something I never signed and are adding all kinds of fees and crazy balance reporting to my credit report.
Consumer complaint received 2022-05-27
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. (TN)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights.

Dept of ED Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-01
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. (NJ)

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
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. (NJ)

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-12
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. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XX/XX/XXXX I called Chas Bank concerning my debit card/ID told them my information had been compromised. The representative said the XXXX wallet could not be used since I don't have any XXXX products. An email/text was sent to me informing me that I had added my debit card to a XXXX wallet . The Chase rep said I did not need to worry about transactions from my account since my debit card was now cancelled and a new card was being shipped to me. However on XX/XX/XXXX, {$1000.00} was taken from my account and sent to XXXX to buy crypto. Again the representative from Chase told me a claim was being made for me because of the fraudulent transactions. She also said I should expect a credit to my account within 10 days. I did not receive a claim notification in email verifying that I had spoken to Chase and the claim was being processed. However on XX/XX/XXXX, transactions totals of {$1000.00} was taken from account from XXXX. Total missing from my account {$2000.00}. That same day I went into a bank branch. The manager closed/froze my original account and created a new account for me to access. 
The next morning I received a letter from Chase saying no action would be taken ( I did not agree to this ) and that my inquiry is resolved. My claim is not resolved, they did nothing.
Consumer complaint received 2021-10-01
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. (MO)

I was denied for an auto loan from my XXXX XXXX XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of XXXX  while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau Equifax XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was denied for an auto loan from my credit union XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX Transunion XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Consumer complaint received 2019-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.
Consumer complaint received 2021-10-01
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: Bridgecrest Acceptance Corporation (FL)

I had a XXXX XXXX XXXX financed through Bridgecrest. I traded the car in on XX/XX/XXXX. There was a delay with the dealer, so they received the payoff XX/XX/XXXX. At that time I was told the payoff was short {$83.00} and Bridgecrest applied that payment on XX/XX/XXXX, 2021.To this day ( XX/XX/XXXX ) the majority of the payoff has still not been applied and they are now seeking to repossess that vehicle. They are also reporting negatively to my credit bureau. I have called 16 times, 8 of which I was promised this would be forwarded to a manager. I have been told by several employees they can see when the payment was received and can not tell me why it is not being applied.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-01
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. (CA)

A 60 day late from XXXX XXXX appeared and an incorrect balance appeared. Ive spoken with XXXX me, they lowered my payments and I have made payments every month. I contacted them and was told that there was a system glitch for the negative 69 day reporting and the incorrect balance. I need this corrected and removed and reflecting my correct balance. I just received a statement from XXXX XXXX that I owed XXXX dollars.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion, XXXX and XXXX have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me XXXX and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX 2. XXXX XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. XXXX XXXX XXXX {$4600.00} Balance updated XX/XX/XXXX 1 late payment Account XXXX 4. XXXX XXXX XXXX {$4500.00} Balance updated XX/XX/XXXX 1 late payment Account number XXXX 5. XXXX XXXX XXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my credit card on XX/XX/21 without any prior warning. I've had the account for almost XXXX decades. They did not give me advance notice in writing, phone, or email. In order to re-instate the account they would need to pull a new credit report. I do not want to pull a credit report because I do not want my credit score negatively impacted for an account that I had open for a long time.