davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-06-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OR)

I tried several times to get this done. Below are all the phone people except for one that I didnt record : XXXX XXXX XXXX XXXX ( supervisor ) XXXXCitibank recording. I was told our account wasnt locked down anymore, but that was wrong. 
XXXX ( female ) Our account was still closed on her screen. 
XXXX XXXX ( supervisor from XXXX XXXX XXXX I sent this letter after the first conversation with XXXX, XXXX, and then did a certified letter on XX/XX/2022. It got to XXXX XXXX all three times. 

They told me Id have to get it in {$500.00} increments from an ATM, so I decided not to do it that way.
Consumer complaint received 2022-06-02
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 - 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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NC)

Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft and the accounts that I have listed on this report are a result of fraud. This information needs to removed from all consumer reports. I have been a victim of the XXXX Data Breach and all of my information has been compromised. Remove this information immediately. These accounts are not mine.
Consumer complaint received 2022-04-14
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. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00}
Consumer complaint received 2022-04-14
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. (TX)

XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to Experian and XXXX about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.
Consumer complaint received 2023-02-21
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: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX, I made the initial call to Ally Financial to get a Lien Release letter sent to the XXXX XXXX XXXX office. I am a former customer and my car has been paid off. I needed this information as soon as possible. I gave my information to the agent and was told that it will be three business days. I called back XXXX XXXX to find out what the issue was and yet again, had to give my information all over again only to be told that it will be another 3 business days to hear back and 7-10 before I receive the letter in the mail. This time, they stated that it was VIN number issue. I repeated clearly the VIN number. Ally had my number and knew I had made a few calls regarding this, why didn't anyone call back if the agent didn't understand me. I waited because I was told that this was going to be done, but I hadn't received any information. I called again on XX/XX/XXXX, and the agent assured me that it was going to be filed and mailed out to me. Again, I waited but nothing has been mailed or faxed over to the XXXX XXXX clerks office. I called XX/XX/XXXX, and I asked for a manager. The agent wouldn't transfer me over. I gave the reference number that I was given each and every time an agent so they could find my request. I have at least 4 references numbers and have been transferred to numerous departments that are unable to help me due to a hold up in 1 particular department. I have been respectable and patient but I must handle the other business and can't get it done due to Ally Financial. 
1st Reference # XXXX, XXXX These are all the references numbers I have been given, yet I haven't received a letter or fax yet.
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

CREDIT CONTROL CORP has violated my rights under 42 U.S. Code 1320d6- Wrongful disclosure of individually identifiable health information. I am requesting proof of original contract because my Health Information was sold to this Collection Company for profit. Clearly understand that I am not requesting a verification that you have my mailing address, I am requesting a validation ; Or in other terms, competent and complete evidence that I have some contractual obligation to pay you that not verification of debt.

I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports effectively immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. 


1 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  Account # XXXX - {$2100.00} Date XX/XX/XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) Account # XXXX - {$2700.00} Date XX/XX/XXXX
Consumer complaint received 2022-06-02
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX 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 written instructions.
Consumer complaint received 2022-06-02
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX 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 written instructions.
Consumer complaint received 2022-06-02
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. (GA)

Transunion has a bankruptcy account that is being reported on my consumer report I have spoken with a clerk from the bankruptcy court in person and she confirmed that the bankruptcy courts do not provide information to any consumer reporting agency ( Letter Attached ). This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for their profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and above-par medical treatment as a living human being. Transunion will be held civilly liable for willful and negligent noncompliance for any failure to comply with the below deletion demand. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX-XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I have applied for American Express Delta Gold card in XX/XX/2021. While starting application, offer was spend {$2000.00} in first 3 months account will receive bonus of XXXX  miles. While starting application when i filled all the info after that again offer changed to XXXX miles instead of XXXX miles. I gave a call and check with representative at Amex. Rep confirmed about XXXX miles. When i completed my application I want to double check and make sure about welcome bonus. So i check with rep through chat box available on AMEX  mobile application. After 3 months also i checked after using {$2000.00} about the welcome bonus over chat box. Representative confirmed about my eligibility and told me to wait for statement cycle to close. But till date i have not received my XXXX bonus miles. I have called AMEX  many times and getting reply about the internal investigation and can not help. I have attached screenshot of all messages of chat box.
Consumer complaint received 2022-06-02
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. (SC)

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (SC)

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On Wednesday, XXXX, it took hours to verify my identity with Transunion XXXX XXXX ; once I completed the identity verification with Transunion, I logged into my Transunion account and disputed several items. After preparing all of the disputes, Transunion provided an error message informing me something was wrong with their system, and I am welcome to resubmit. 

I have filed several complaints against Transunion with the Consumer Financial Protection Bureau ( CFPB ) ; when filing a Dispute on my Transunion Credit Report, Transunion attempts to circumnavigate the process, claiming they need to verify my identity before moving forward with the CFPB Submitted Complaints via letters delivered by the United States Postal Service ( XXXX ). Now that my identity has been verified ( with XXXX ) and I am filing disputes directly with Transunion, the company finds another way to prevent people from filing said Credit Reporting Disputes. 

Please see the PDF attachment for reference.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Our loan is for a new vehicle loan that both our names are on. 

Office of the President is refusing to give me a reason as to why our extension was not granted. Also they are refusing to give us the Presidents name and contact information. 
My daughter and myself has tried to resolve the matter of payments due. And neither the representative nor the Office of the President is willing to give us information.
Consumer complaint received 2022-06-02
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  Account # 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

Consumer Adjustment Company CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Consumer Adjustment Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-05-06
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)

Istructions. 
n accordance with Fair Credit Reporting Act XXXX Account # 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 in