davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (TX)

In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (OH)

Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have received dozens of calls to my cell phone from Asset Recovery Solutions. They are trying to contact someone named " XXXX XXXX. '' I'm not sure who this person is, or if this is the correct name for the person, but it is not me. I have spoken with an employee of this company in the past explaining that the person they are trying to contact is not me. They have the wrong phone number for the person that owes the debt and to take my number off their list. They have not honored my request and continue to call my phone. 

What has prompted me to file a complaint is the call I received from Asset Recovery Solutions on XX/XX/18. Once again I explained that I am not the person they are trying to find, that I have requested for my number to be removed from their list in the past, and they claimed I never did so, and if I did, that maybe an employee had a " mishap '' in properly removing my #. 

I've received calls from XXXX on XX/XX/18, XX/XX/18, XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 x XXXX XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 I can not verify if every single one of these calls is from Asset Recovery Solutions. This is also not a complete list of calls from this company. Some calls I did not answer. Some calls I answered but the automated system didn't register that I had picked up. Some calls I answered and the person asked to speak to " XXXX XXXX '' ( sp ) and I explained it wasn't me and they would just hang up. 

I believe the majority of these calls were from Asset Recovery Solutions, as I have had this same # for over 10 years and have never had any unwanted calls until Asset Recovery Solutions started calling. 

I've requested Asset Recovery Solutions to provide a call log of all calls and attempts made to my phone number and they have denied my request saying that they do not have to do that. 

I have now sent them a cease and desist letter through certified mail.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-13
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX U.S. Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX U.S. Bank Home Mortgage Attn. Credit Bureau Disputes XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : Request for Credit Bureau XXXX XXXX for Loan # XXXX secured by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ohio XXXX. 

Dear Research Department, This correspondence is in response to our recent conversation and is a follow up to my complaints and many attempts to get U.S. Bank ( the bank ) to report my credit standing to the three major credit agencies. I am requesting that the bank make a correction to my credit file at all three credit reporting agencies ( XXXX, XXXX  and XXXX ) effective XX/XX/XXXX to the present and each month hereafter. 

I purchased this property in XX/XX/XXXX. Since that time, I have made my monthly mortgage payments on-time, every month for six years. Due to certain circumstances, I filed for Chapter XXXX Bankruptcy in XXXX ; all the while continuing to make payment. In/or around XXXX of XXXX, US Bank Home Mortgage not only stopped reporting these payments to the Credit Bureaus, they also pulled all previous on-time payment history. 

I was informed that if I were to refinance my loan then they would once again begin their Credit Bureau reporting. 

There is a triple/if not quadruple whammy going on here XXXX not in my favor ). First : payments are no longer reported ; second : all previous payment history is pulled ; third : with the bankruptcy, the pulled history, the non-reporting ... leading to the fourth hit : a much lower credit score ... will US Bank now refinance the loan as suggested by customer service? I tend to think not. No bank would. 

I believe/know, that this policy by US Bank is not right and needs to be corrected. 

Again, this is an Formal Executive Complaint. 

Thank you for your alacrity regarding this matter. 

Regards, XXXX XXXX XXXX ( C ) XXXX
Consumer complaint received 2023-03-26
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. (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 XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  Account number : 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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This information is not mine and is included on Experian and XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is included on XXXX report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These are both addresses that my ex used to commit tax fraud. 
EX info : XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 a person submitted an application for credit using my information at XXXX. The fraudsters application was approved. I notified XXXX that its fraud but they cant do anything except freeze the credit line. I also notified Experian. Please help clear this up and get this person caught before they continue opening up more in my name!
Consumer complaint received 2022-07-13
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-26
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. (GA)

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 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

Despite at least XXXX separate attempts at disputing a collection account with Franklin Collections, they continue attempting to collect an account for XXXX XXXX XXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (GA)

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 2022-07-13
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

on XX/XX/2023 I applied online for capital one auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over XXXX mins
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MA)

I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. I also have the FBI formally engaged who are pursuing the matter.
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (FL)

Experian allowed a dispute to be initiated without my knowledge or my consent - Report XXXX : XXXX. I called the Experian fraud department to get clarification as to why was this account was being disputed ( which I did not initiate the dispute ). I contacted Experian on XX/XX/2021 XXXX XXXX Central Standard Time through XXXX XXXX  Central Standard Time. The individual in the fraud department stated that they have no information as to who initiated the dispute. This is clearly unacceptable and a clear violation. All disputes must be initiated by the consumer and no one else if not authorized - Via online, certified mail, or by phone. After speaking with another representative they stated that this account was a CFPB complaint which is inaccurate. The CFPB complaint ID XXXX - XXXX Is the complaint that should be currently addressed. Not this erroneous and fraudulent dispute Report XXXX : XXXX. I requested Experian to address and demand CFPB complaint ID XXXX - XXXX.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (LA)

In XX/XX/2020 at the beginning of Covid 19, my equifax score was above 700. My complaints is with equifax. In XX/XX/2020 i made arrangement with XXXX XXXX for a two months deferment on auto loan for XXXX and XXXX payment. In XX/XX/2020 only my equifax score dropped 80 points. XXXX had reported that i missed two payments. When equifax contacted XXXX, XXXX corrected the report to show the deferment arrangement. However equifax have refuse to restore the 80 points due to XXXX report. I have file complaints with equifax and they refuse to correct. I appreciate you looking into this compaints against equifax. 

Thanks
Consumer complaint received 2018-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

EQUIFAX FAILED TO REMOVE XXXX XXXX , XXXX ( XXXX XXXX OF BETTER OR SCREENING REPORTS. ( SEE ATTACHED )
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (TX)

There is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, there were payments deducted from my then TCF account ( Since then TCF became Huntington Bank ). The payments were deducted by XXXX ( a buy now, pay later credit line ). The product I purchased was never received. The merchant had to do an investigation, which took months to complete. They finally determined that XXXX lost the package. They issued to my now Huntington account 4 separate refunds ( equaling the total amount originally deducted ). 

However, I only received one of these refunds totaling {$67.00}, XXXX has shown proof, that I in return showed to Huntington that they issued a total of four credits of {$67.00} to my account. Huntington is denying this. I have spent endless hours trying to explain the situation and they keep denying my claim. They still owe me {$200.00}. I have all the proof they owe me that refund.
Consumer complaint received 2022-07-26
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Acct # XXXX {$170.00} XXXX XXXX Original Creditor : XXXX  Acct # XXXX {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Acct XXXX XXXX {$1200.00}, 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 instruction
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION (NV)

XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.