davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
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)

Have been disputing a XXXX account of {$150.00} TransUnion credit reporting agency and they have yet to remove the account from the file. Even after several attempts to dispute directly with XXXX, XXXX still has not verified nor validated this alleged debt. I have sent communication to XXXX just recently XX/XX/2020 by USPS certified mail, E-Receipt asking they verify and validate the debt and notice went ignored. TransUnion, will not remove this XXXX account from the file even after multiple communications with them I have yet to get any response showing that I am the one who the debt belongs to. I have sent communication to XXXX on XX/XX/2020 requesting verification and if not remove the account from the TransUnion file and they have not done so, in fact my first letter sent to XXXX ( XX/XX/2020 ) stated that if they could not verify/validate the alleged debt they would need to close the account and remove it from all three CRA. They closed the account but never removed it, by them closing the account they agreed to the terms of the XX/XX/2020 letter and should have removed it from the CRA file as well. Now disputing the matter with Transunion they still remain to keep the account on the report. It was never proven to belong to me
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There are unauthorized hard inquiries on my credit report. I've requested remove and they have yet to be removed. Please see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

I applied for secured credit card with U.S.Bank and they withdrew {$300.00} for the deposit despite not approving me for the card. Countless calls and hours on phone with a plethora of small time crooks that make up there customer service have netted zero results. Every person i spoke to gave me multiple fabricated stories, the most recent being that they sent back my money on the XXXX of XXXX and that it must be XXXX that is refusing to credit it back to my account. I was 99 % sure that was a lie when i heard it but went ahead and confirmed with XXXX that that was a lie, they confirmed. We both know they'll never be punished or even forced to stop attempting to defraud potential customers, I just want & need my {$300.00} back, its been weeks already, no ach transfer takes this long. And of course they refuse to provide any email confirmation of any conversations as well as no email i can contact them with
Consumer complaint received 2023-07-13
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. (PA)

Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-02-15
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: OneMain Finance Corporation (TX)

n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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. 

This is a duplicate inquiry and shall not be showing on my credit report.
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (NY)

So theres a couple problems. XXXX XXXX knew that I had XXXX because I verbally told them. Thats the first problem. The second problem is that they took my medical information and gave that medical information to a collection agency in the river in accordance to the response from the collection, agency XXXX XXXX. 
I under no circumstances, agreed that a XXXX XXXX for a collection agency could have my medical information. I want this removed immediately. And I would like you to pursue whatever HIPAA things should be reported
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (MI)

Received a letting in the Mail on XX/XX/XXXX from MEADE & ASSOCIATES INC for a debit owed of XXXX in my name. I called that day and spoke with a " XXXX '' ( would not provide his last name. I informed him that this was not my Debit and they have the wrong person. I asked him to send me any Doctumation they have in this case. 

Received the requested documents on XX/XX/XXXX showing that there was a {$3500.00} billed amount that was paid. It also had a signature that was not mine. 

I called XX/XX/XXXX and spoke with " XXXX '' I asked if he looked over the Doc that he had sent me and he informed me he did. he was not able to Identify where the {$1200.00} came from. I said that was not my signature anyway and that I could provide a copy of my official signature from my license but he was not interested. I asked to please remove this from my name. He informed me he would put it in " disputed '' and to file a police report and get an affidavit sent to him. He refused to send me paper work saying this is distributed.
Consumer complaint received 2023-07-13
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. (VA)

XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (NY)

Nearing the end of my lease I returned my car early to a mercedes benz dealer. My agreement with the dealer was that I would pay the lease up to that point ( XX/XX/XXXX ) but not beyond. On XX/XX/XXXX I paid {$340.00} for the month of XX/XX/XXXX - XX/XX/XXXX. I turned over the car to the dealer on XX/XX/XXXX. I had overpaid my lease by 29 days. I requested a refund for the unused days, but the dealer told me to contact MBUSA financial services, who had received the overpayment and with whom I had a contract. 

Without my knowledge, MBUSA financial services  gave the dealer the wrong end of lease price, quoting it to XX/XX/XXXX instead of XX/XX/XXXX. I requested a refund from MBUSA financial services but they refused. The result was that I had no use of the vehicle for 29 days I had paid for.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OH)

I moved in XX/XX/2021 from XXXX to XXXX  and moved my XXXX internet service to my new address. XXXX never informed me that I nneded to return my equipment before moving, and therefore, I kept it to use at my new address in XXXX. I did have a conversation with XXXX about this back in XXXXXXXX XXXX XXXX I do believe so that I would not be charged for the equipment I am still using. I do not have any access to my old XXXX account to contact XXXX about why in the world they would sendd the {$120.00} to XXXX XXXX when they specifically told me that they would not charge me since I am still using the equipment at my new address. Also, XXXX XXXX has not sent me anything regarding this, and also, they continue to try to contact me even after I have told them to stop calling me.
Consumer complaint received 2023-01-10
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. (FL)

Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXAcc # XXXX XXXX Financial-Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX5 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have for the last few months been trying to resolve this matter with transunion acct # XXXX {$830.00} does not belong to me! I uploaded affidavit and mailed letters yet this account is still reporting and a representative in customer service advised me they never received a letter from me I asking for an removal of this account t
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. ()

These inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint against XXXX, Experian & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that Experian is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date Experian is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX  is reporting is unavailable. XXXX  has failed to publish the correct information. 

The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-04
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: AMERISAVE MORTGAGE CORPORATION (NH)

Today, XX/XX/2021, I called AmeriSave mortgage corporation and spoke with XXXX XXXX Loan Originator NMLS ID # XXXX to inquire about the streamline refinance mortgage process, which is a non-credit check loan. 
Well XXXX was talking to me about my father and talking about his parents passing away He asked me for my social security number. I assumed it was just part of a form that he was completing so that he could give me some information. At this point he had not given me any information at all about their company or loan options. XXXX XXXX checked my credit without my consent. Shortly after I gave My social security number, I said " did you just check my credit '' " without my consent '' XXXX XXXX said " yes ''. He kept apologizing for not asking for my permission to check my credit. I did not consent for him to check my credit and now this is going to impact my credit score. This is terrible and I'm not sure what to do now.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX pulled TransUnion credit report twice on XXXX without my permission. I have repeatedly called and asked for managers and the owner. Every time the owner is busy. I have also asked for their attorney but they refuse to give me their name.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

I went online to get a loan but there was no paper work. When I went online it never gave me a fixed rate because there website went blank. Next thing I knew I was approved got a text message I made my first payment for XXXX XXXX XXXX dollars and XXXX cents I seen that my bill only went down XXXX dollars this is not what I had signed up for since there website crashed and I was unable to see what I was getting I want to know why my loan went down only XXXX dollars when I paid XXXX?
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have had this credit card since XXXX. Bank of America closed my account for inactivity which I do not believe is the case to begin with but they have closed access to my statements. My issue is with the credit history. Obliviously credit history is a major part of credit scoring. I believe this is an institutional construct to lower credit scores of long term clients by closing accounts without their knowledge. I was not notified and was told I was told that they mailed my new renewal card on XX/XX/XXXX and cancelled the account on XX/XX/XXXX without notification. I find this extremely disturbing and poor business practices. I asked to have my account reopened which seems very easy but was told that is impossible. That seems like an easy fix. They immediately offered to give me a new card which would lower my credit score which they did not disclose. I find all of these reasons that are just as poor form as the XXXX XXXX incident from a few years ago. Thank you for your help.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.