davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

The company is Capital One. They are continuously reporting inaccurate late payment information on all three credit bureaus. I have written 3 letters to Capital One and 4 letters to XXXX, XXXX, and XXXX. Each time I get the response Account Verified as Accurate. I know No proper investigation is being done because the same inaccurate information is on my reports.
Consumer complaint received 2022-05-16
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. (TX)

I am a victim of identity theft and XXXX XXXXXXXX, XXXX XXXX as well as XXXX XXXX has fraudulent information on my credit profile.
Consumer complaint received 2022-05-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

In XXXX the car I had purchased through the finance company was in a car accident and the car was totaled. My insurance company paid the car off with the Tidewater Finance Company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The finance company and XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX just garnished my wages in XX/XX/XXXX for a total amount of XXXX which was paid, now the finance company just served another garnishment on XX/XX/XXXX to my employer for a second amount XXXX. The garnishment summons expressed that all I owed them was XXXX which they have received already through an employer garnishment. I am afraid that after this is paid off they are going to keep asking me for more and more money and that this is never going to stop. Again, my insurance company informed me that the total balance of the car was paid off after the accident. They have not given me the opportunity to make any payment arrangements with them about this matter. They keep serving this paper work at an address that I have not lived at for over 16 years ago which does not give me any time to address this matter. I feel that if Tidewater Finance Company and XXXX XXXX XXXX  XXXX. has tracked my employer down, then they should have asked me for my correct address so I can address this matter in a promptly fashion. I feel that the lawyer and the finance company bypassed certain criteria 's and laws that was afforded to me as a consumer by violating my consumer rights for not allowing me to deal with this matter in a more appropriate manner according to the State of Virginia and federal consumer laws. It has caused distress for my at my job between me and my employer and can cause me to possibly lose my job due to the inconsistency that this situation continues to keep developing. This is the second time within 10 months that the lawyer and the finance company have pulled my name into court in order to retrieve funds from me for this matter that the insurance company have paid them the first time. I feel like I am being abused by the finance company, the lawyer and the court system. I feel like my consumer rights have been violated by the finance company and the lawyer. I feel like I should have been given the right to address this matter without my employer being involved. On the last court ordered garnishment, the paper said I only owed them XXXX. They have received that and now they are asking for more money. I truly feel that some laws are being violated as well as my consumer rights by the lawyer and the company. I also feel like they are asking for excessive funds they are not entitled to by manipulating the court system to garnish funds. At this point they are asking the courts to garnish XXXX of my salary that is causing distress in my household. All I ask is if they could have contacted me at my correct address without involving my employer and affecting my household in such a dramatic way.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (OK)

Company : I.Q. Data International, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I.Q. Data International failed to comply with FDCPA 15 USC 1692g, Section 809 ( b ) as I formally requested debt validation. 

Details : ( 1 ). I.Q. Data placed a collection account on my credit report on XX/XX/XXXX, prior to sending a debt letter to me. This is a collection action. 
( 2 ). I received a written debt letter from I.Q. Data dated XX/XX/XXXX stating I had 30 days to respond ( Enclosed ) / ( 3 ). On XX/XX/XXXX, I generated a formal dispute letter for debt validation. I faxed my formal dispute letter to XXXX as stated on the debt letter. ( Fax confirmation of receipt on XXXX/XXXX/XXXX attached )./ ( 4 ). On XX/XX/XXXX. I sent that same formal dispute letter for validation to I.Q. Data via certified mail to the address for written disputes as stated within the debt letter ( Copy of certified mail return receipt and tracking information included )./ ( 5 ). As of XX/XX/XXXX, I.Q. Data has not formally validated this debt./ ( 6 ). This debt was formally disputed with XXXX XXXX prior to referring to the collector./ ( 7 ). The amount due on the collectors demand letter is different than what my internal XXXX account reflected. My internal account reflects a {$0.00} balance. 

I have been harmed as this collection item had an adverse effect on my insurance rates and home purchase goals. 

I believe this is a willful violation of FDCPA 15 U.S. Code 1692k. 

XXXX.Q. Data International has well over 250 complaints listed with the XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, Transunion and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ).XX/XX/XXXXI sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). 2/14/2023 I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MN)

hello good morning I am making a report of this car diler XXXX XXXX XXXX I buy this vehicle when they did not have to sell it because i make investigation it is a car that has been repossessed, and I had I almost turned in this car with my daughter we could have killed ourselves by the freaway, since my daughter was nervous because of the accident whenever we go in my car husband she is frightened by any noise the car makes, in the first month it broke down and they do not give me any solution, the diler lied to me, and neither the bank, nor the guarantee give me a solution
Consumer complaint received 2019-11-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Family and friends were contacted multiple times by a woman named XXXX XXXX in attempts to collect an unpaid debt. I was notified by a cousin, family friend, great aunt, as well as my mother to call them to resolve the issue. XXXX XXXX used a threatening tone towards all individuals she contacted. She states that she would that I would be located in person, she went as far as to provide car license plate number. She threatened to contact an employer and speak to a supervisor. She also insisted that she would call and contact everyone until I was located. I resolved the issue XX/XX/19 via phone. I paid XXXX {$200.00} as well as set up a payment plan for the remaining balance. XX/XX/19 I verbally told the company to stop harrassing family and friends. I provided an E-mail and let XXXX XXXX know that I can be reached there and to cease all other forms of communication. They said since I made a payment and set up a payment plan the calls would stop. I went a step further and also requested an address for the company to send a formal cease and desist letter to stop the harrassing phone calls. XXXX never provided me with an address. XX/XX/19 family members are still recieveing voicemails from Ms. XXXX XXXX. She is stating that she will call until I am located, however I already resolved the issue. At this point my family and friends are being harrassed by this debt collector.
Consumer complaint received 2022-10-27
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$320.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$34.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00}
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 30 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. 

XX/XX/2022 received a credit report alert that I missed a payment. Reviewed the credit report information and found a XXXX XXXX card account ending XXXX being 60 days late. I contacted XXXX XXXX, they verified my information and SSN and no such card populated. I was advised to contact the credit bureaus. I filed a dispute with all three credit bureaus on XX/XX/2022. 

Dispute came back stating Credit card was verified and correct on XX/XX/2022. I contacted Experian credit burau to get further guidance. They put a fraud alert on my credit report and informed me to file an FTC claim.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (PA)

I noticed on my credit report in XX/XX/2022 that there was a card issued to me from Avant/Webank . I called them and they said a credit card was issued in my name to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They sent me the Affidavit paperwork in the mail but I have had multiple questions for them and every time I call them they hang up on me. They said the card was issued but because I called they never sent card out. However, I havent been able to have them verify. I also would like to have inquiry removed from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. Experian and XXXX failed respond all together, never received anything. XXXX only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in Metro2 Compliance, which all 5 laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

dear XXXX XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX I filed a complaint against TransUnion requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days.TransUnion has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .TransUnion has fail to provide me proof of verification so at this time I ask that you step in and have them delete this fraudulent accounts .Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.