davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (CA)

This is my 5th Complaint that I was the victim of identity theft. I called XXXX and Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sold my credit account to XXXX XXXX and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma (NC)

After an in depth financial review at XXXX XXXX XXXX I found out that since XX/XX/2020, Credit Karma has been charging me $ XXXX {$250.00} twice monthly, totaling {$11000.00}. 
Credit Karma issued XXXX refunds totaling {$4000.00} back in XXXX, leaving me paying {$7700.00}. Ive attached a picture of the charges by date, amount and confirmation number. 

This is a service that shouldve been free according to my accountant. 

Credit Karmas own records will demonstrate that I have never accessed this account except to figure out why I was being charged these fees and to close the account. The company also doesnt have a phone number or email address to request refund.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (AL)

This is my first complaint against Experian credit Bureau, I have submitted 4 times letters with disputing accounts that are not mine, Only Experian has reported these accounts on my credit history. I'm victim of identity theft and I have also filed FTC Report, Experian credit Bureau has refused to investigate these accounts after my second letter, since that no response at all, I believe it's a violation of law. 
These accounts are not mine and they are result of identity theft : XXXX XXXX  account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX All above must be deleted from my report immediately
Consumer complaint received 2024-03-13
Product: Credit reporting 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 (OH)

I noticed a credit check on my credit report that dropped my credit score on XX/XX/2024. The credit check seems to be from Capital One Bank. I did not apply for a credit card from capital one, nor do I do any banking with them. I did not authorize this credit check.
Consumer complaint received 2019-03-21
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. (WI)

XXXX XXXX XXXX has filed 3 corrections to Experian regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX Experian claims XXXX confirmed the report of 30 days late. XXXX claims what Experian claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: YKS Acceptance, Inc. (CO)

I bought a XXXX XXXX XXXX XXXX car from XXXX in XX/XX/2018 I was told the amount I was purchasing was for XXXX. The day I drover off the lot I notice that the vehicles sun visors an a seat belt clip where broke and turned back around I went back an brought it to the attention of the sales rep who had sold me the car and he said that he was going to try and get the sun visors replaced I was later on contacted buy a lady stating that the sun visors for a cosmetic fix and that it was my responsibility to get them fixed two weeks after that the CBC axle started going out on my car and I expressed it to them and I was told once again I would have to go to another place and have them check it out and I would have to schedule the appointment for me to do that so as I had the car more things started going on with it and I contacted them also to see if I can get my payment switched from weekly to bi-weekly and they refuse to actually switch it in told me I had to pay a whole entire month all in advance before I could even get my car payments which according to my paychecks my car was later on repossessed because I could not do the weekly payments because I got paid bi-weekly and when they repossessed my car they actually destroyed property at the XXXX XXXX to repossess the car I later on just went and picked up my belongings and now they are still trying to come after me for {$15000.00} of the car when it was priced at {$10000.00} all of the papers and everything showing of what I was supposed to pay for it I also have quite a few witnesses that can attest to my statements being accurate so I would like to find out what I could do to have it removed off of my credit being that I was sold a car that was basically defective and had things going on with it and it was not worth {$10000.00} and I was a first-time car buyer
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (MD)

This complaint is about my principle bank,, PNC. 
On Tuesday, about {$5000.00} was deposited into my checking account by XXXX. 
On Wednesday morning, I transferred {$700.00} to my credit card to pay an overdue balance of {$520.00}. The teller noted the fee as pai as paid and said nothing about holding or preventing my card from receiving charges. 
Thursday i attempted to use the now paid up card, but PNC blocked all transactions for various amounts including {$21.00} at XXXX, {$100.00} for groceries, and to pay my rent at XXXX for {$4400.00} after promising me all transactions would clear. 
Also on Thursday, PNC claimed that they needed to block these transactions because " it's a different division and the money isn't there yet. '' What? Both operations are sold under th term " PNC Banking '' and it felt like PNC was just lying to me os they could use my funds elsewhere for two days without me knowing about it. A manager in my branch when asked, offered an explanation that there are thousands of such transactions daily, and " ... they take time. '' She failed to disclose that these transactions are made at night when PNC Bank is closed to the public. To me it appears they are playing the float.
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (ME)

When I applied for this loan with Harley-Davidson, I had a street address and a PO Box on my application. The dealer that I bought the motorcycle from used my PO Box , but it appears Harley Davidson only received my street address. They generated the first two statements for my loan for XX/XX/2018 and XX/XX/2018, and when the statements were Returned to Sender due to mail service not being available at my street address, Harley Davidson not only discontinued mailing paper statements, they didn't produce any statement at all. And they didn't call me to sort it out. Their policy is to simply stop generating statement. So if I wanted to call and get a copy of my statement from XX/XX/2018, I couldn't. They said the only thing they can provide me is my payment history. 

How can a company that has open lines of credit with people discontinue generation of statements? Is that not part of some reporting law? I never bothered to check until now because I figured I was paperless, like I always am, and thought for sure anything I needed would be available online through the account that I registered for at the beginning of my loan. But they said that I don't have access to any statements from XX/XX/2018 to now. My next statement will generate with the next billing statement. 

I just don't feel that this is right. The only thing I can see is the history of the lump sum payments I've sent them. I've requested a hard copy of my payment history be mailed to me because the rep on the phone today indicated that it will break down what was applied to principal and what was applied to interest, but why wouldn't I be able to see that through my online account? This just seems nuts so I wanted to reach out to confirm if Harley Davidson Financial Services needs to change their ways.
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CO)

I have not had access to my account since XX/XX/XXXX. I can not see any bank balance, transactions and i am completely locked out of my account. I was told i would receive a call back by XX/XX/XXXX and never received a call. I called today to see if i could log in and it has gotten worse to the point i am locked out of my account information and still have no access. I called Ally at XXXXmst and there is a 30mn wait for customer serive. No answer. I then sent a follow up chat which is an additional 1+ hour wait. I need access to my finances as i have bills due and can not access this account. Please help to make this right! I dont know what else to do!
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Supply your response or report status as PAID, NEVER LATE for the trade-line. 

Best Regards
Consumer complaint received 2022-06-16
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. (AL)

XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting Act 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 a Account with my written instructions.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

I filled a dispute with XXXX asking for the debt to be verified. The collection company sunrise failed to verify the debt and updated account as accurate. I have no knowledge of the account or information. 
The name of the company sunrise credit service Address XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is saying I owe {$510.00} They are reporting inaccurate information on my report.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX card account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX bank account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights .

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX bank account # XXXX, we card service account # XXXX, has violated my rights . 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TX)

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. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX  Account Number : XXXX 7.XXXX XXXX Account Number : XXXX 8. XXXX  Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2022-06-16
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. (TX)

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. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX Account Number : XXXX 7.XXXX XXXX  Account Number : XXXX 8. XXXX Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (TX)

XX/XX/XXXX : Ordered Payoff Quote - quote to be emailed. Paid {$30.00} XX/XX/XXXX - searched online account for payoff letter or information ; found payoff letter in documents section XX/XX/XXXX - attempted online payment for payoff amount using bank routing and checking account number - payment not accepted XX/XX/XXXX - called mortgage servicer to make payoff ; spoke with XXXX # XXXX, supervisor XXXX ; XXXX misunderstood payment method ( she stated credit card when no payment method was requested nor given ), XXXX would not escalate to supervisor to accept payment, XXXX was not aware a payoff letter existed, after drawing her attention to the payoff letter, she recited the acceptable payment methods stated on the letter, I informed her I would file a complaint and asked her to verify the information contained in this complaint ; she stated I have until XX/XX/XXXX to pay in the method stated on the letter. I informed her I wanted to make a payment direct from checking using the bank routing number and account number. Expressed frustration for inability to pay online or by phone the payoff amount stated on the payoff letter using bank routing and checking number. XXXX was not accepted.
Consumer complaint received 2022-06-16
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. (TN)

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus TransUnion and XXXX. On XX/XX/2022, TransUnion personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.