davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (NC)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (FL)

I received an email with Ally Bank , Inc promoting the Do it right Initiative. I sent an email on XX/XX/XXXX asking about the initiative and how they address loan rates with people of XXXX. Due to the nature of the message, I was told to call them. I called the customer service number, and after 45 minutes of being transferred no one was able to answer my question because they had no knowledge or access to the email system. I searched online and found a member of Leaderships email in hopes to ask about this new initiative. I was assigned a representative who gave me the runaround, which included an incorrect phone extension, and when requested and email account to a mean email. I emailed a member from the executive team again and that is when the representative fall back up.After almost a month, the representative did not answer the question about the do it right initiative, no provide any updated information regarding interest rates and people of XXXX. I was sent a letter in the mail with all of the information that I already had access to you. They put no effort into attempting to find a resolution.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

In XX/XX/XXXX my XXXX and I moved. We contacted XXXX XXXX XXXX prior to our move and canceled our service at our old address. We paid the agreed on amount. 

XXXX XXXX an XXXX for XXXX XXXX XXXX contacted us. We disputed as seen above. XXXX released the debt and negative credit reporting. 

XXXX Radius another XXXX for XXXX & XXXX contacted me regarding the above account. I stated the history above and they advised contact XXXX XXXX XXXX. I did and they did not help. XXXX XXXX XXXX stated I was billed until XX/XX/XXXX. I did not have service at the previous address as a new homeowner had bought and moved into the home. XXXX XXXX XXXX is asking for payment for services we did not receive. 

In standing with FDCPA we believe this is harassment from these 3 companies. We are asking for 4 things : 1. Removal of the debt 2. A paid in full statement from XXXX XXXX XXXX XXXX. A written notice from XXXX XXXX XXXX via USPS saying any negative credit reporting is removed from both our names & 4. As we believe it is XXXX from XXXX XXXX XXXX we are asking for the awarding of 3 of the {$1000.00} fines to be sent to us from XXXX XXXX XXXX as the collection attempts from XXXX XXXX XXXX, XXXX, and Radius are all from XXXX XXXX XXXX are for a debt that us not owed and has caused migraines and time away from work to handle this.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, XXXX. account ending in XXXX regarding fraudulent charges. The Claim Number assigned by Wells Fargo was XXXX. The amount disputed was for {$1000.00}. A provisional credit was provided on XX/XX/XXXX. In XXXX, I received a letter that they were investigating the fraud claim to which I responded by providing them evidence of the fraud. I received no further communication from Wells Fargo. When more than XXXX days passed, I assumed they had found in my favor. Then, XXXX months after filing the complaint ( well in excess of XXXX days from when I filed the complaint ) on XX/XX/XXXX, the {$1000.00} was withdrawn from my Wells Fargo Bank account with no notice ahead of time to me. They money was just simply gone! I was given no explanation for why this happened or even notice that they were going to debit my account for the {$1000.00}. I never even received notice that they had concluded their investigation. I believe this is a violation of several laws including the Fair Credit Billing Act. They are required under that law to investigate the claim within XXXX  days and if they do not have a finding by that date, the provision credit becomes permanent. This is what should have happened with me and it did not. Instead, they violated the law by taking back the money in excess of XXXX days from when I filed the claim and failing to give me adequate notice that they were going to do this and of the results of their investigation.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (MN)

In accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ) ( three accounts ) XXXX XXXX XXXX  also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Consumer complaint received 2022-12-16
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)

When I reinvestigated my credit report, I realized that still, the account was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-12-16
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

continued claim XXXX pursaunt to 15usc1692g ( XXXX ) - dispute debt & 15usc1681i-procedure in case of dispute accuracy- I the consumer am aware that all collection must stop an be deleted from my consumer report while debt is in validation. HOWEVER THIS ACCOUNT CREDENCE RESOURCE MANAGEMENT LLC IS STILL ON MY CONSUMER REPORT WHILE THE ALLEGED DEBT IS IN VALIDATION. WHICH IS A VIOLATION OF THE XXXX AND THE XXXX  THE REPORTING AGENCIES ARE ALSO STILL REPORTING IT ON MY CONSUMER. 

ACCOUNT- CREDENCE RESOURCE MANAGEMENT # XXXX
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CapitalOne owes me {$250.00}. I am forced to hold for 30 minutes or more, and when I do get them on the phone, they cant help me. Their reps are not authorized to reverse an incorrcectly applied charge to my account. They incorrectly applied fees and interest to my account. I've submitted numerous complaints, online and by fax, and the responses are computer generated and do not pertain to my complaint.
Consumer complaint received 2022-09-26
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. (AL)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP (GA)

I received a notice from Aldridge Pite Haan ( APH ) in regards to a past due debt owed to XXXX XXXX on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with XXXX XXXX. My wife, XXXX XXXX, called APH on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who APH and XXXX is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to XXXX who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a XXXX - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX  is no longer pursuing this item for collection. 

XXXX XXXX did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to XXXX was from their servicer, APH who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to XXXX XXXX.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (IL)

Around XX/XX/2024 I recieved a notification on my credit report from company ( National Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) that a debt collection in the amount of approximately {$1900.00}. 
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2023-07-06
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. (SC)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

Account Name : XXXX Account # : XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

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

XXXX XXXXXXXX XXXX  for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX Hard inquiries of the following XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX  ( Bank ) XXXX XXXXXXXX ( Bank ) Remove Personal Names reported as they are not me. 
XXXX XXXX Remove Address of the following as they are not recongized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, UT XXXX Remove Employment information XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This is a formal complaint against LVNV Funding located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV Funding has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 # : XXXX Account Name : 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 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 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

In early XX/XX/2019 I contacted Chase Bank with regards to one specific credit card that I was having difficulty paying. I contacted Chase to see if there was any assistance that could be offered to me in helping to pay my card. I have never been delinquent on any credit card account with Chase or any other issuer. The representative on that day told me that she could help me get on a payment plan that would lower the monthly payment to {$280.00} a month. She said that it would close *that specific card. * I asked her specifically if it would leave my other accounts unaffected because I did not want my other accounts closed and if it was going to negatively affect my other accounts I did not want to do it. She said very specifically that it would only affect my one specific account I was calling about. I was on speakerphone at the time and my wife was listening and agreed we should do it if it would not affect our other accounts. The account was closed and I have religiously paid my payment and my other cards that were still open with Chase every month.

Today ( XX/XX/2019 ), when trying to use one of my other cards, it was declined. After checking why, I noticed that all of my accounts were closed according to Chase. I called Chase to have them explain why they had closed all of my accounts. The representative told me that it was, " because when [ I ] agreed to be on the payment plan [ I ] agreed to have *all* of my accounts closed. '' According to her that is Chase 's policy. I explained to him that the representative had told me explicitly on the phone that my other accounts would not be closed. She transferred me to her supervisor XXXX, who reiterated the same thing and he transferred me to another department where I spoke with XXXX ( badge # XXXX ). XXXX was honestly very snarky at times but explained there was nothing she was going to do and that my accounts would remain closed.