davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (SC)

XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (AZ)

I'm not exactly sure of all the details as I did not open these accounts. I have had my information stolen. Have been disputing these for several months. I've contacted the issuer 's, also through XXXX. Nothing has changed. I don't know how to prove that it was not me. There are several lots for trailers and mobile homes for rent on the property. A small rural community in XXXXThe only way I could prove my mail or information would have been stolen is to provide the several reports both with XXXX and published on several websites about the consistency of mail theft in my town by dozens of people. I never received anything nor did I even open up this account. First being a Montgomery Ward card. According to my credit file, was opened XXXX, in the amount of {$200.00}. Second fraudulent account XX/XX/2021, the amount {$480.00}. It's a puzzlement that myself and others are the victim, yet continuously being treated as the criminal. Meanwhile the scam artists and thieves hardly have repercussions to their actions. I'm a XXXX XXXX XXXX  on a very small fixed budget. This has debilitated myself. Also had and is causing detrimental effects to my already XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the fair credit reporting act 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 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TN)

After filing my initial complaint TitleMax has failed to provide the requested documentation, since then I have been in touch with TitleMax legal team I have sent in a XXXX from the state that dictates there is NO lien on my vehicle ( XXXX XXXX XXXX XXXX  ) TitleMax legal team responded with a lien generated from a online 3rd party XXXX XXXX XXXX I then contacted this company to learn more about their process and they generate electronic liens but these type of liens do not hold up to legal measures and that is why no lien is being shown through the state, after presenting this information to TitleMax legal team they advised me that they do not know why no lien is coming up and refuse to provide a release form for my vehicle that they are illegally holding, I have spoken with corporate TitleMax over this matter who then 3 way called my local TitleMax store ( XXXX Titlemax ) and to my surprise the Manager XXXX advised he lost all communication ( emails ) he had regarding my vehicle with legal team he then proceeded to hang up mid conversation on me and corporate TitleMax ( these calls are recorded ) since I have had a terrible experience with this manager I then decided to file a complaint against him and spoke with the DDO for XXXX TitleMax, since this conversation I have requested documentation and information from legal as to which they have not responded and removed my account from legal status.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (MN)

Today I received a statement from US Bank concerning an account being closed on XX/XX/2024. I then called the help line for US bank and they stated the account was opened on XX/XX/2024. I informed them I did not have any knowledge of this account. They made note of this. They also informed me to freeze my credit and file this report. It is strange because there was no money transacted during the 8 day period that the account was open. I had no knowledge of this account.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

Made an online payment to XXXX for {$510.00} on XX/XX/2022. On XX/XX/2022 Citibank did a payment reversal. 

I received an email on XXXX noting my XXXX account is past due and a {$25.00} late fee has been assessed ( unsure if late payment will reflect on credit report ). 

Attempted contacting Citi on XXXX via phone call. Waited on hold for approximately 45minutes before being disconnected. Called back three times, all three times >30min hold. Third call back ( fourth total call ) got ahold of representative who would not verify my account. Noted I shared all the correct information but I would have to call back to the same number I called to verify my information for fraud prevention ( XXXX ). 

Called again on XXXX. Called three times, each call wait time >30minutes. First two calls were dropped after 30minutes. Third call I got through to representative, shared my phone number to call me back in case disconnected. We became disconnected and they did not call back. 

Called again on XXXX same situation. Called four total times this day. Representative informed me I needed to call back to verify my identity and call fraud department.

I can not get a representative to speak to me in addition to my original issue of citibank reversing ANY charges/payments/transactions I make with XXXX. 


When contacting XXXX XXXX XXXX their system reflects Citi as reversing the transfer/payment.
Consumer complaint received 2023-02-21
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-05
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. (CA)

I have asked my creditors to provide to me the written contract with my signature on it. They have ignored my request thus having me believe they do not have the contract. 
Therefore unless they remove all negative items and collections from my credit report and credit bureaus, I request all creditors be fined {$1000.00} and payable to me immediately by law.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

N accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account 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 instruction.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-11-08
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)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the fair credit reporting act 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 2022-06-05
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. (NV)

In 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 a account with out my written instructions.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (KY)

In accordance with the Fair Credit and Reporting act XXXX  account XXXX has violated my rights. This account has consistently reported several inaccuracies on reporting payments imcorrectly and account balances also being incorrect
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-05
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (GA)

I XXXX XXXX date on XX/XX/22 am demanding Caine & Weiner to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Consumer complaint received 2022-06-05
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've contacted this collection agency several times asking to provide a signed contract with my signature. No real proof has been provided. Please delete. 
Date contacted were in XXXX 2020. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2022-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank Of America Heloc Application On XX/XX/2022 we began a heloc application for {$320.00}, XXXX. We were told that the process could take as long as 12 to 14 weeks. 

Subsequently, we agreed to reduce the amount to XXXX to be within the underwriting guidelines of 70 % loan to value. 

The underwriting process was dilatory, time consuming, clumsy with repeated requests for redundant materials. Some of the delays were inexplicable. The process went on so long that credit reports had to be run again The best that was offered from XXXX XXXX, our contact, was on the order of Underwriting has changed their system. What that meant neither he nor we knew. 

We provided whatever was asked in an extremely timely fashion. The process consumed an inordinate amount of our time and attention. This already was a form of abusive lending practice On XX/XX/2022 in conversation with XXXX XXXX it came out that the loan amount had been reduced to {$150.00}, XXXX. This was a stunner after 23+ weeks. 

We had no prior indication of this either verbally or in writing. We had and have no idea at what point it happened. 

XXXX XXXX did not know how or why it had happened. He said he would do some research. 

He came back with underwriting did it. He then appeared to say that underwriting did it because it classified the house as not being owner occupied. 

XXXX XXXX was occupied by co-owner throughout as it still is at this writing on XX/XX/2022. 

Bank Of America Heloc has broken trust and wasted an enormous amount of our time and energy in dilatory processes utterly without transparency. 

Contingent on securing a Heloc loan of {$250000.00} we had signed a contract for an extensive renovation of the XXXX XXXX property. We are now not able to go forward with that project. 

We have suffered a variety of harms, nor do we believe that this is likely to be an isolated ca
Consumer complaint received 2022-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

this is a dispute with Capital One ( Case Number : XXXX ) about a rentalcar on XXXX billed on XX/XX/2021 for {$540.00}. ) I returned merchandise or canceled services that I ordered. ( ) I am still being charged for a service that I previously canceled. 

I rented a van on XX/XX/2021 to be picked up from XXXX XXXX XXXX on XX/XX/2021 and return it.on XX/XX/2021, On XX/XX/2021 I decided to drive my own van and canceled the rented van. on the same day I received cancelation confirmation which is attached and I though they will send the money, however they did not.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

I XXXX XXXX date on XX/XX/22 am demanding CCS COLLECTIONS to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I refinanced my house and the closing attorney sent check # XXXX in the amount of {$7000.00} to pay off my car loan with Ally Financial but did not put the account # XXXX on it. Ally told them they didnt get it ( even though they did and sent my a overage refund check then stop payment on it ) so the law firm stop payment & reissued & overnighted check # XXXX on XX/XX/20 in the amount of {$6700.00}. Ally has had this check for over 30 days, the check has cleared but Ally has not posted it to my account. They took additional monthly car payments, still show I owe money and have not sent my over payment reimbursement check or title. Allys consumer resolution department tried to resolve it with their payment center and could not get ahold of anybody due to high call volume & a system change. I have called multiple times and No one can help me at Ally Financial XXXX.
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

It appears that an account has been obtained as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account Capital one has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.