davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-05-12
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. (FL)

I have contacted transunion numerous times regarding these unauthorized inquiries on my credit report. according to FCRA this is a violation of section 1681b ( c ) which is a serious breach of my privacy rights! I have asked them to delete these unverifiable hard inquiries that are not attached to any accounts I have. They have failed to respond within 30 days according to section 611 with copies with any documentation bearing my signature. 

XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

In XXXX of 2021, my dad, brother and I moved out of a rental property, managed by XXXX XXXX XXXX. Upon leaving, we received charges of over {$3000.00} and they kept our {$1700.00} security deposit, while billing us for the rest. While occupying the house, we had read how criminal this company treats its tenants so we knew to prepare for this. We cleaned, painted, had the carpets professionally cleaned, and did everything the lease asked us to do. While XXXX stressed that we were able to dispute the charges, they never responded to any of our SEVERAL email attempts or voice mails. This was similar to how they treated us during our lease; wed submit receipts for work done on the house and they didnt reimburse or credit anything. The water, sewer and trash utilities were all paid, and XXXX has not provided any statements or proof otherwise. These utilities were controlled by the companys concierge service so they should have access to our statements. As of XXXX, Genesis Credit Management has been contacting all 3 of us and weeks ago I talked to a gentleman named XXXX. He insisted that Genesis would be able to dispute the charges on our behalf and asked me to email him everything he needed, including receipts. I have reached out since that initial email and have also had no contact from Genesis at this point and as I said, its been weeks.
Consumer complaint received 2022-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (TX)

Hello, I have been contacted Grain since XXXX to get access to my account but it has not allowed me to do it. It keeps saying up to 5 days and it has been almost a month. They continue to take money every month for my payment but I cant see my account.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I booked Pilgrimage tour with XXXX  I put majority of the charge on my XXXX XXXX and XXXX dollars on my XXXX XXXX XXXX  When the merchant canceled the trip, which cost me a lot of money since I have already purchased my nonrefundable flight and couple of hotel nights and took off days from work I requested credit from them they declined. I filed a dispute with XXXX XXXX and they were able to get the exact money refunded to me, however XXXX XXXX XXXX has been incapable for the past XXXX months  to get the last XXXX dollar back from the merchant is capable their phone system is terrible and every time I call they just brush me off and open the case and put me through the same cycle for XXXX  months. This is my worst experience with the credit card company. I need my XXXX dollar back from the merchant by XXXX XXXX XXXX
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.
Consumer complaint received 2024-05-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (GA)

I am reaching out to challenge an inconsistency identified in my credit report, specifically in relation to the following account that has been late/ charged off : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I have observed that these accounts continue to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other permanent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
I appreciate your prompt attention to this crucial matter.
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. (NJ)

XXXX, XXXX, Experian were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

* Vehicle Sold illegally * Credit reporting inaccuracies * Toyota declining to provide primary contacts, Registered Agent, or Counsel, authorized persons on behalf of Toyotas Legal Compliance Department whom responded via https : //portal.consumerfinance.gov with 30 day offer notice * Inaccuracies in response to CFPB * Tortious actions * Request for settlement provided
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/2019 Hunter Warfield Debt Collection Agency XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX-XXXX-XXXX-XXXX entered a debt collection on my credit report for a debt that I do not owe. It claims I owe XXXX  XXXX XXXX XXXX {$620.00} dollars account # XXXX which is untrue. I never resided at XXXX XXXX XXXX and never signed a lease or other contract agreeing to moving into a unit. This apartment complex is poorly ran where leasing employees keep sloppy records and mess up applicant credit reports via reporting things untrue. Infact, XXXX XXXX XXXX issued me a refund check for {$770.00} dollars. I demand that Hunter Warfield investigate and remove this erroneous debt from my credit report immediately and send me written confirmation of debt removal from my credit reports and undated letters of correction to all that have received my credit report within that last 60 days showing correction. I do not owe this debt. I did not agree to any contract with XXXX XXXX XXXX XXXX incurring a debt.
Consumer complaint received 2022-05-12
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 (NY)

I received a letter by mail from XXXX XXXX yesterday which was dated XX/XX/2022 stating that an application was received for a credit card account # XXXX, After careful review, the credit card account was unapproved, it was denied due to too many inquiries or applications for credit. I immediately called XXXX XXXX to report identity theft. 

On XX/XX/2022, I was checking my checking account where I noticed a small amount of {$0.00} was deposited and withdrawn by Capital One the following day. I also received a voice message from XXXX by phone from Capital One stating, that an application was open and that I had to contact them back regarding the open account. The voice message was inaudible and so quick that I had trouble deciphering which phone number to respond back to. 

On XX/XX/2022 my ex called me asking if I ever opened a credit card line with XXXX XXXX on XX/XX/2022 which, I replied I never opened one. I started calling XXXX XXXX, Capital One and XXXX credit fraud dept. to report that someone was using my identity to open up multiple credit card lines.
Consumer complaint received 2017-08-19
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. (NC)

XXXX XXXX XXXX XXXX X/XX/16, X/X/16, X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX  XX/XX/16  TALK TO TRANSUNION CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-05-12
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. (VA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc. (FL)

This agency hireright.com, aka XXXX, provides driver and credit data to companies looking to hire people. For the past 10 years i have disputed and disputed the incorrect data and they have not corrected it. I have suffered incalculable economic damage in the form of lost job opportunities because of these people. It was so bad that I was party to a class action lawsuit in which they lost and received a small settlement about 2 years ago. Even now my work record, consumer data, and even my name is n't being reported correctly in their reports and they refuse to address it. They will say otherwise but I was just informed today that i was not being hired because of this information by XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (OH)

these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-10-26
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I was pre-approved for an auto loan XXXX with Navy Federal. I had purchased a vehicle in late XXXX and returned the car within the first weekend of having it due electrical issues. On XXXX XXXX, I informed Navy federal customer service that I would be returning the car and for them to do a stop payment on the check. I was told to sign the Indemnity Agreement form and send it back, a week later my entire preapproval was canceled in the system, I only learned this when I tried retrieving a new check at the bank location that the loan had been canceled in it's entirety. On XX/XX/2022 I talk with customer service supervisor over phone while sitting with a agent at the bank and was told by her that " I told them to cancel the auto loan because I no longer needed it ''. I informed her I never stated that and can you all pull the recording of the conversation, she stated that it would take one to two business day to retrieve the recording and someone will call me back. The next business XX/XX/2022 the same supervisor called and stated that she did some research and there was no need for the recording to be retrieved because she realized the problem and that because I returned the car, that's why the loan needed to be canceled and would have to apply for a new one. I hung up and talked with another supervisor who stated that the loan was canceled due to an error on their end, but I would still need to reapply. I stated that because you all made an error why do I need to pay for it and have my credit hard pulled again just so now this time you can deny me for said loan. I now wish for some one to look into this erroneous error.
Consumer complaint received 2017-08-19
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: Experian Information Solutions Inc. (CA)

My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
Consumer complaint received 2022-05-12
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)

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, 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 an account without my written instructions.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

In XX/XX/XXXX  I paid XXXX XXXX for insurance to protect my belongings while renting. I asked them if they covered my belongings at a XXXX XXXX unit while I am renting. They stated that they do cover items in a storage unit while renting. One day I came to pick up my belongings from the storage unit. I found that my medical records were stolen, and all my items were damaged. I requested a refund because they did not give me a claim. XXXX XXXX issued a refund. Then they turned around and denied that I had ever paid them. However, it is not possible to get a refund without them getting paid for service first. They then denied that I had any record with their insurance at all, but if that was true they would not have kept giving anyone service without payment. I then paid them off for my sanity because I am XXXX XXXX XXXX problems due to this. I need this to come off my credit because I never owed them anything. I paid them on time every month and they issued a refund.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CA)

Well this happened 2 years ago but I contacted them a soon as I seen the transaction had posted since I had my security alerts sent to my phone, so every time I made a purchase it would send me an alert straight to my phone, well anyway I was at work when I had received an alert that someone had withdrawn {$60.00} then {$200.00} not including the {$1.00} fee for trying to see my balance but it's weird how they managed to take my funds from my account If I had my debit card with me. Long story short like I said I contacted them and i told them what had happened they supposedly they submitted a dispute and i was supposed to receive some letters in the mail regarding the incident but I never received anything and I've tried to contact them almost every day but couldn't get thru to them now it's been like I said 2 years and now they're telling me that they can due anything about it but see thats not fair cause I told them a soon as it had happened. Is there any possible chance for me to still get my funds.