davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting 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. (PA)

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DC)

On XX/XX/2023, I received a cashier 's check from PNC XXXX XXXX, for XXXX to purchase a car. The check was immediately deposited in my account at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, I took a cashier 's check for the exact pay off amount for the XXXX to the car dealership. On XX/XX/XXXX, a stop payment on the cashier 's check was applied to the check from PNC and all monies were cleared from my account to cover XXXX. I never got any notification from either bank about the stop payment. I realized the application when I tried to buy a scoop of ice cream on Monday XX/XX/2023. I immediately called both banks to find out what was going on. I filed a police report bc of an employee at PNC XXXX XXXX. XXXX fraud report # XXXX. I filed a complaint with XXXX, who monitors credit union activities. I have no money in my account. According to XXXX, any money deposited will go to repay the stop payment. I want the stop payment reversed XXXX I used the money as it was intended. I should not have a total " loan payment demand '', when I purposely did not take out a loan. My account should not be held XXXXXXXX XXXX of bank errors. No one talked with me about anything.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have sent some debt validation letters and tried several times to dispute the debt to no update. T

hey have sent me a list of my medical records which is a direct violation of HIPPA regulations that I am fully aware of. I have not signed nor given authorization of a HIPPA form to have granted them access to this information. Please delete all this information from my credit file and cease immediately all collection activities from this point.
Consumer complaint received 2024-06-11
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: Westlake Services, LLC (GA)

The payment list that Westlake Financial sent me is wrong. I've have it on my credited report from XX/XX/XXXX, that was pulled because I was buying a home and it shows U.S. Auto on it. It shows how long I was to pay on the vehicle, the start date of my loan which was XX/XX/XXXX, which they got wrong and the amount that I would have paid in XXXX years, 66 months, which has been done and I have OVER PAID! The month of XXXX of XXXX is when the loan has been paid off. The loan agreement I had with U.S. Auto was {$14000.00} and that was payments of {$370.00} for 66 months, 5 years and 5 months. My calculation brought it up to with the payments all the payments I have made totaling {$24000.00} which {$10000.00} is over paid just for {$14000.00} on a used XXXX XXXX XXXX XXXX. It is XXXX years old and not working. I've put over {$7000.00} in the vehicle for a rebuilt motor, transmission and more. I want my money back which is {$10000.00} that I've paid over then what I should have paid. Since Westlake Financial wants to act on the behalf of U.S Auto, whom were sued because of the way they financed out their vehicle to customers whom were desperate and need a vehicle, due to their credit. They need to pay me all the money that were overly paid and give me my title to my junk car. In their own paperwork they sent me. Term XXXX and only XXXX paid. This shows that they TOO is trying to scam me out of more money. The {$200.00} that I've sent on XX/XX/XXXX which was {$690.00} I have sent total only {$430.00} went toward the payment. Now, they can't keep all of their paperwork straight. Me think they were going to be law binding and sent me the real paperwork. They sent me something they typed up. I have went back to their site and noticed they changed it where I couldn't see the interest they charged me which is {$41.00} and for the principal it is {$94.00}. Where is the {$39.00} going to? That is coming from a payment of {$170.00} which XXXX XXXX XXXX XXXX XXXX is all that going towards the loan. I'm also giving this to my lawyer. I've did my homework and I need some answers. My mom vehicle totalled {$24.00}, XXXX plus for a brand new car she also purchased in XXXX and also had 5 years and XXXX months to pay it off. Mines should have never been so much for so long with a old car.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. I contacted the banks and talked to their staff. I explained my situation and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC (KY)

I was called on XX/XX/22 at XXXX XXXX the company was Valor Intelligent Processing via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Consumer complaint received 2022-10-14
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)

There is a collection from XXXX  on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for transunion was XX/XX/XXXX but how? Date of last activity for XXXX says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.
Consumer complaint received 2023-10-21
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. (FL)

I received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NY)

i, consumer, XXXX XXXX enter into a Consumer credit transaction with corporation Credit Acceptance on XX/XX/XXXX.on XX/XX/XXXX pursuant to 15 usc 1666, i sent a billing error notice to credit acceptance, lien holder, creditor and debt collector. due to unavailable reasons, credit acceptance fail to comply with section 1026.13 ( c ) ( 1 ) of the billing error resolution cited at title 12 of the code of federal regulations ( 12 cfr 1026.13 ( c ) ( 1 ) for not responding within 30 days. credit acceptance also fail to comply with rules for resolution cited at 12 cfr1026.13 ( d ) ( 1 ) and have been continuing to make attempts to collect a debt.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I been having a difficult time getting XXXX account removed off my consumer report.i have made numerous disputes about the accounts been re-aging amounts been inaccurate and to removed these account after they do their 100 % investigation. The company tells me they are accurate with the investigation and they are not gon na make any more dispute on my behalf ..they couldn't have did any investigation at all they lied to me about talking to anyone and states that the state of XXXX child support reported this to them .I have all the report from different dates of the consumer reporting agency have different first report /when its due to come off and different amounts these accounts has past the status of limitation as well.
Consumer complaint received 2024-02-20
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (OH)

On XX/XX/24 I sent a XXXX  day letter to XXXX accounts on my credit burea requesting validation and proof that debt is mine via certified mail. 

Self financial XXXX XXXX ( XXXX report )
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a checking and savings account with navy Federal Credit Union. I also have a car financed through them. They were not on the title and I didn't know that. The only way I found out is someone opened a checking account in my name at a different bank so I changed my account number with my bank. That's when I found out my account was flagged for this reason. The next day I went into the branch and filled out the necessary paperwork and waited, only for it to be kicked back, not once but twice because it was filled out incorrectly by the employees. I have gone back for the third time ( I filled it out myself ) so now I'm waiting again. I have asked for them to remove the flagged and give my overdraft back. They keep saying they are trying to get reconsideration for the flag to be removed. It should not be there! it is their fault why they're not on the title. No employee is being held accountable, just me. The one who has done everything right! I want this flag lifted immediately!
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KY)

I was called on XX/XX/22 at XXXX am, the company was XXXX XXXX XXXX via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (LA)

I recieved a bill from Glass Mountain Capital on XX/XX/XXXX. This bill stated I owed {$1100.00}. I called on XX/XX/XXXX. The person I spoke to said the company owed the money was XXXX XXXX XXXX. And they might sue me. 

I explained that I had my identity stolen in XXXX of XXXX due to a security breach with a local hospital. I offered to send the police report and FTC complaint file in XXXX and another FTC report filed last year. 

The person I spoke with stated they would inform the company that it was a fraud case and hung up. 

Today I recieved more correspondence from them to harrease me.
Consumer complaint received 2022-11-07
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. (TX)

I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Consumer complaint received 2023-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my equifax credit file Also Office of the Attorney General office due to the discrepancies due to XXXX XXXX. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (CA)

PNC stole my entire XXXX XXXX of XXXX dollars just to get me out of town. They judge me because I'm XXXX. Oh well, not XXXX  enough to do what they do and try to collect on debt issued that is not my debt. XXXX XXXX helped me but she also lied and didn't consider any reasonable method to produce the solution. She transferred me a debt collector who was not the XXXX in XXXX XXXX. No. Not a bit intimidating but shameful like a cupid without an arrow. Please help these people.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by TransUnion, XXXX, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : 1. Discrepancy in Last Active Date : TransUnion reports the last active date as XX/XX/XXXX. 
XXXX reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

2. Discrepancy in Dates Opened : TransUnion reports the date opened as XX/XX/XXXX. 
XXXX reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely, XXXX XXXX