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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried several times to get Transunion to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from Transunion stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on Transunion. XXXX is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. XXXX reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXXAccount XXXX XXXX XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX deposited XXXX checks ( {$3000.00} + {$3000.00} ) on XX/XX/XXXX and XX/XX/XXXX into my Hungtington checking account. These checks were returned and later they were considered faked. 

And then, {$2500.00} was transferred to unknown receivers through XXXX without my permit on XX/XX/XXXX. XXXX XXXX visited a branch and called the customer service for the scammed transactions, but Hungtington bank didn't take actions to investigate and stop the fraudulent transaction. Another {$3500.00} was transferred through XXXX XXXX transactions to XXXX strangers on XX/XX/XXXX. 

XXXX XXXX called the bank to appeal the transactions on XX/XX/XXXX. 
The bank denied the dispute ( Ref # XXXX ) on XXXX transactions ( {$3500.00} ) on XX/XX/XXXX by mail. 
XXXX XXXX requested the documents on which they made the decision and appealed the dispute again. The bank did not give me any response so far. 

When the faked checks were found, the Huntington bank didn't take actions to stop the suspicious transactions which led to the loss. XXXX XXXX appealed an explanation and documents why the dispute was denied, the bank didn't give me a response.
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: Global Lending Services LLC (TN)

Global Lending Services has reported inaccuracies on my credit report and this erroneous account should be removed immediately. Auto loan companies, Global Lending Services in particular, do not offer terms of XXXX months. As you can see attached, Global Lending Services is reporting that I had a XXXX  month term with their company. This is FALSE. This company is reporting inaccurate information to the 3 major credit bureaus which is violating my consumer rights under the FCRA. I am demanding that this account be removed IMMEDIATELY.
Consumer complaint received 2022-03-24
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. (MO)

Ive mailed in XXXX certified letters stating that the address is wrong and could it please be removed I sent in several documents with correct address but yet it still remains I call in and they are XXXX tells me its staying on my report and I dont need to call back cause they are not changing it, like what how is that possible, please help, this wrong address is hindering me from getting my credit on the right path, this is really hurting me and my XXXX life I cant get the job I want the car I need or the house I want because of this wrong information injuring my credit
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

Employees in Experian IT services and XXXX iT services are posting wrong information and not removing the paid off XXXX balance paid off account from rent debt automated collections. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these XXXX and XXXX in XXXX Please look into this matter seriously and remove dead accounts. Pls stop age profiling
Consumer complaint received 2022-05-17
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)

I reported to XXXX that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. XXXX continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

On XX/XX/2019, a duplicate draft was processed by Specialized Loan Servicing for {$2200.00}.

On XX/XX/2019, I contacted the company to reverse the duplicate draft and I was assured it would only take a few days to process.

Almost 20 days later nothing has been processed and no update is available from the company, they have stolen the money.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (AZ)

Lockhart Morris & Montgomery. XX/XX/2020 is the date this was reported on My credit report.. I've tried several times to reach out to this company to resolve. I have no knowledge of this debt. The amount is XXXX.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Ive mailed in 4 certified letters stating that the address is wrong and could it please be removed I sent in several documents with correct address but yet it still remains I call in and they are rude tells me its staying on my report and I dont need to call back cause they are not changing it, like what how is that possible, please help, this wrong address is hindering me from getting my credit on the right path, this is really hurting me and my kids life I cant get the job I want the car I need or the house I want because of this wrong information injuring my credit
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 — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 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 for any purpose.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion says have info press for code no code 45 minutes later code arrives had allready tried again transunion says must mail this has happened prior years am sure i am not only one seems as if done to make process hard
Consumer complaint received 2022-03-24
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. (MI)

1.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 : 2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm filing this report against Capital One because I have been a victim of identity theft and thus far Capital One have not done anything to complete my request regarding this issue. I have never opened an account with Capital One whether credit card or checking account because I do my business with my regular bank. This identity thief opened this account and abused it with Capital One and now I'm stuck with it. I contacted Capital One and informed them that I have never associated nor conducted any form of business with them however, they refuse to cooperate. They claim that they will file for a dispute and two days later close my dispute and they claim that the account is mine when I specifically told them that I have no association with this account whatsoever. I sent a written request to them that request the record of application with the said account and they replied to me stating that the account was not filed in person and it was done either through a phone or through internet. Therefore, Capital One is claiming there is no record of application that has a paper trail. If there is no paper trail then there should be a digital record of application which should be sent to me since I'm requesting it. Capital One is claiming that I opened the account when I clearly didn't because I learned about this account from my real estate broker months ago when I was in the market to purchase a house. I asked for the record of application to hand it to the police but Capital One is refusing to get anything done and at this point I'm suspecting that Capital One conducted illegal activity to open this account by their own bankers. I am not certain of this therefore, this is a mere hunch. I informed Capital One of an identity thief that is messing my life over. I informed Capital One that I'm a victim of identity theft and what does Capital One do they tell me you are responsible for this account because the identity thief used your information to open this account.
Consumer complaint received 2023-07-18
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. (VA)

I'm complaining about my credit score according to law 15usc-1681 equifax have been reporting my credit score incorrectly an I need everything deleted off my account asap
Consumer complaint received 2023-07-18
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. (WI)

On XX/XX/XXXX I told XXXX, XXXX and Equifax that I had fraudulent inquiries. Due to XXXX car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX ( XXXX ) XXXX  ( XX/XX/2023 ) XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Are all fraudulent inquiries. I did not authorize. 

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

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 2022-10-26
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. (NY)

Add to complaint id # XXXX XXXX XXXX proceeded to close both accounts, but the balance still remains on my fico report without my authorization. This is fraud and according to the FDCPA FCRA & TILA laws and regulations both accounts balances should be immediately removed.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NV)

Notified them as to the fraudulent activity on my account and requested to be refunded for the charge 's of XXXX that I didn't do. Bluebird was informed and has document of my calls. I was unable to utilize my online banking or use the card associated with my account. I kept calling and I was told I will be credited the charge 's. How it is now 4 months later and I am still being denied my fund 's and each time I call they're acting like it's my first time and run me in circles
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (VA)

I purchased a new vehicle on XX/XX/2019 and at that time traded-in my XXXX XXXX XXXX that was finance with Consumer Portfolio Services. Consumer Portfolio Services received the payoff for {$16000.00} on XX/XX/2019 for the XXXX XXXX XXXX. I reviewed the payment history information on their ( CPS ) website ( attached ) that stated the total paid was {$16000.00} to pay the account in full. It broke down the total paid into 3 different categories ( Interest {$470.00}, Principal {$16000.00} and Fee 's {$190.00} ) documenting the total paid {$16000.00}. I knew the dealership sent a payoff of {$16000.00} so I was aware I was due a refund around {$250.00} based on the total paid that was documented. I contacted Consumer Portfolio Services on XX/XX/2019 to inquire about the difference in the total paid and the payoff check received. I spoke with XXXX XXXX who advised me she would escalate the account to be reviewed by audit. I called back on XX/XX/2019 and spoke with a supervisor who basically confirmed that the total paid of {$16000.00} was not accurately document nor was the letter that was sent to me by them. They advised me the total paid was XXXX but that was not document in the payment history on my account nor the letter that I received from them. Due to the documentation shows inaccurate information I am requesting a refund/overpayment of {$260.00}. The company did advise me they was going to do a audit on my account to update the correct amount.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My identity was stolen a few years ago, and I finally deleted all the credit CARDS that I didn't open, but I haven't checked the equifax credit report. Recently, I checked the report, and the previous XXXX credit CARDS are still in my credit report! The other two credit reports are not showing up
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-07-18
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. (GA)

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

Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-22
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. (NE)

On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Phone call to XXXX and Transunion to inform them that this debt owed to XXXX XXXX XXXX XXXX was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or Transunion. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.
Consumer complaint received 2022-03-24
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. (GA)

A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service.

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

XXXX, XXXX and experian has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.