davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DE)

I have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well. 

My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment. 

It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX  and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX. 

When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX, Account 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. 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
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: DISCOVER BANK (PA)

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

XXXX XXXX XXXX SECTION XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sold my XXXX XXXX to XXXX. XXXX picked up the vehicle in XX/XX/2021. They had it for over 5 months and Toyota didnt make correct payment amounts. So Toyota kept billing me stating I owed them monthly payments even though my car was rightfully paid off from XXXX  and no longer in my possession. They reported 5 months worth of non payment. Sent my information for a repossession even though I didnt have the car. I contacted Toyota and they wouldnt help me citing it was my responsibility but they didnt communicate with XXXX  correctly about my balance due. This is not my responsibility once I dont own the car anymore. They need to remove those dings to my credit or I will seek legal council.
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 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. (NV)

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE CONSUMER XXXX XXXX XXXXXXXX,, US SM BUS ADMIN, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (TX)

Company Name : Service Finance Company Account Opened - XXXX Amount - {$10000.00} I contacted them when the loan was first initiated, it was for the installation of an Central AC unit . The company that did the work did not complete the job and I had to have another company come in and complete the labor. I explained this to Service Finance Company and asked them to adjust the amount of the loan to reduce the labor from the bill. After going back and forth for 3 months they stopped returning my calls. Since this has been in dispute, we have not paid on the loan. The account has been closed and charged off for years now. They continue to report it to the XXXX each month as a late payment, even though the account has been closed and charged off. I have requested they update their records. They refuse. This has done major damage to my credit. They have also reported to XXXX as real estate loan as compared to an installment loan. 

This company is practicing unethical business practices in reporting the account as active late, in order to bully me into paying an amount that is in dispute.
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (IL)

XXXX XXXX is refusing to remove a collection item from my report from XXXX, stating that i owe them {$600.00}. I have been a very good and active customer with XXXX which is now XXXX, since the beginning of XXXX. This information is inaccurate and doesnt make sense. Either someone has used my information or has stolen my identity.
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, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-03
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. (CA)

In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Consumer complaint received 2022-06-03
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)

In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX XXXX  XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Consumer complaint received 2022-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OR)

I have a one main financial account. I have made payments on regular basis and most of the time it is over the amount due. In XXXX of XXXX  I made multiple payments. I made a payment in the amount of {$300.00} on Friday XX/XX/2022 and it was processed/deducted from my account on Monday XX/XX/2022. I logged in again to make another payment in the beginning of XXXX and saw that it said a payment was reversed in the amount of {$300.00}. I called the local branch multiple times before anyone called me back. After 3 days I finally told them nobody is calling me back and I want to talk to someone that day. XXXX from the branch called me and let me know that the payment was returned on XX/XX/2022. I told her no, it did not get returned, I have proof from my bank it had cleared. I sent documentation of the transaction showing it had cleared my account on XX/XX/2022. I got no help from XXXX so I went to the corporate level. I was told BY corporate that because it is a debit card it would have been returned same day. That is a lot different story than the one that XXXX provided. This account is an interest bearing account and I get charged per day on the balance that is in there. It has been over 45 days and this has still not been resolved. I have attached on multiple occasions many documents showing that it has cleared my account and they are refusing to credit my account that money. I had reached out to an attorney recommended by the Oregon State Bar. This attorney told me to send them a letter and demand it be corrected under the Federal Fair Debt Collections Act. I need help getting this payment credited to my account as I have all the documentation showing it was processed and NEVER returned to my account. I have filed a complaint with the XXXX  as well. Please help as this is affecting my credit as well as the balance that is owed.
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 — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (SD)

Opted Out of Getting Prescreened Offers for life. Discover and XXXX XXXX regularly send offers. I do not have any business relationship with either. Most recent offer from discover was on XX/XX/2022 via USPS. Please contact for further details.
Consumer complaint received 2022-06-03
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: CCS Financial Services, Inc. (GA)

Credit Collection Service for XXXX in the amount of {$74.00}. XXXX XXXX XXXX 2022. 

In accordance with the Fair Credit Reporting Act XXXX account XXXX has violated my rights. The HIPPA Law.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

XXXX record shows inaccurate information. On XX/XX/2024 I plead guilty to a Falsification charge ( XXXX XXXX degree ) and my report is showing the wrong information as pleading guilty to a XXXX charge of falsification in theft offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.
Consumer complaint received 2022-06-03
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. (NC)

In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy.

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission.

15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

LVNV FUNDING LLC XXXX Balance : {$1000.00}
Consumer complaint received 2022-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In was looking over my report, you guys marked me as late on beginning XX/XX/2021 In which I requested a investigation on what was stated to me. Later that year I tried to have the later remove with a good faith letter that was denied. According to the law you are not suppose to do this and I would never be in this settlement agreement now on a Charge-off account. 

In accordance with the Fair Credit Reporting Act Convergent account with Capital One has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

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

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

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report
Consumer complaint received 2022-06-03
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. (ND)

In accordance with the Fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (HI)

i am a victim of identity theft. i have no contract nor have ever recieved any benefits from RUSHMORE LOAN MANAGEMENT SERVICES. i have no knowledge of this company. i deny their claim that i owe them {$17000.00} nor {$330000.00}. i have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and i decline to perform on any unverified note unless i am given the said smount above in cash. no payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. 

There are also forged signatures on said note that are not mine.
Consumer complaint received 2022-06-03
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 my rights have been violated by -XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Consumer complaint received 2022-06-03
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. (TX)

EQUIFAX RECENTLY REPORTED AN INACCURATE COLLECTIONS ACCOUNT. THIS ACCOUNT ( XXXX ) WAS RECENTLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS BECAUSE OF FALSY REPORTED. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, XXXX DO NOT HAVE MY SOCIAL #, PHONE CONVERSATIONS, EMAIL CONVERSATIONS, OR ANY PERSONAL INFO OF MINE, NOT EVEN A SIGNED CONTRACT AGREEMENT BECAUSE ITS A FALSE ACCOUNT
Consumer complaint received 2022-06-03
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)

According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an 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 any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-06-03
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)

According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an 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 any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.