davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-06-14
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. (SC)

XXXXXXXX XXXX XXXX  ran my credit without my knowlege. XXXX ran my credit report without permission. XXXX XXXX ran report without permission. ther is a collection from online information service for a bill that was paid by insurance and they refuse to provide me a copy of original contracr which is a violation of my rights. I fell that the credit inquiries is an invasion of my privacy because i did nit give permission to view my reports.
Consumer complaint received 2022-12-01
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. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I was approved a credit line with XXXX XXXX XXXX and they sent my credit card. When I when to used it it gave me a decline message. I was told that my card was closed and denied and that they send me the reason why over the mail. I never received such letter and yet why they gave me a credit line and closed it with out giving me the opportunity to used it. I felt humiliated when I when to buy a wall clock for my home. Can you find out why they are discriminating me. I am building my credit history and I dont have any delinquent or late payment. Whichever reason they stated after the fact is not applicable because they did acepted me. There is nothing wrong and why I was denied?
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Titan Receivables, Inc. (CA)

At the time that I received this bail bond I was making payments for about a year but ended up losing my job and was having financial hardship to keep on making payments. If I can please have this removed It will help me get back on track to a fresh start since this is the only thing I have on collections. I am trying to apply to get a car out to get to work since I need a car and better credit to be able to get one out.
Consumer complaint received 2018-08-02
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. (WA)

I have made more then one attempt to do the dispute process and I even tried the email/phone versions and i never get any confirmation or anything, there is a bogus XXXX charge that needs to be cleared off. I am doing things that are time sensetive, I can not sit around for months to wait and hope the system is repaired. This is unfair!
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a company that reports late payments and its affecting my score. the account is paid in full but reporting late payments the name of the company is XXXX XXXX XXXX and its reporting to all 3 credit bureaus
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX of XXXX I made an auto payment of {$230.00} toward my XX/XX/XXXX balance. An auto statement dated XX/XX/XXXX reflected the payment on XX/XX/XXXX went toward the XX/XX/XXXX balance, leaving a balance for XX/XX/XXXX of {$230.00}. On XX/XX/XXXX a payment was made for {$230.00}. Bringing the XX/XX/XXXX balance to {$0.00}. 

XX/XX/XXXX Auto Loan statement reflected {$0.00} for XX/XX/XXXX. {$460.00} due on XX/XX/XXXX. 

On XX/XX/XXXX, a successful payment of {$250.00} Was made toward XXXX balance. On XX/XX/XXXX another successful payment was made for {$250.00}. Bringing XX/XX/XXXX balance to {$0.00}. 

On XX/XX/XXXX, a payment was made of {$130.00}. On XX/XX/XXXX a payment was made for {$330.00} toward XX/XX/XXXX balance. 

Ally auto is reporting XX/XX/XXXX payment, 30 days past due and stating XX/XX/XXXX payment was not applied to the current amount due. However their auto statements directly contradict this. This caused me to have a mortgage declined and a closing fall through due to their incorrect reporting costing me thousands and negatively affecting my credit score and chances at obtaining a home.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

On XX/XX/2018 I mailed a validation of debt to the alleged debt buyer, in the letter I made clear what information I needed from them, I also warned them that if they are reporting this debt to a credit bureau that they could be facing legal action, I also demanded that they only communicate with me through the mail system. They have violated my rights by flagging and reporting me to the credit bureau, they continued to call as per proof. This company has a total disregard for my rights as a consumer and do so without repercussion. 
It is my position that since they failed to provide me anything to validate this debt then I do not owe them anything.
Consumer complaint received 2018-12-12
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. (CA)

My TransUnion and XXXX  credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank charged me multiple times for checking my account at another atm. Which is understandable but they charge me too many times ; I only checked twice causing me to overdraft. Later I was charged for something that was supposed to have been declined.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I was WAS NEVER NOTIFIED PHONE, OR MAIL BY UNC, COLL.CO.ONLY AFTER I DISPUTED, they sent # 1 bill.Not # 2 as REPORTED.I notified them by mail cert #, and phone THEY FAILED TO NOTIFY ME OF DEBTS, WASNT GIVEN 30 DAYS ECT.URC only had my mailing address AFTER I CONTACTED THEM THEY WERE GIVEN 10 DAY NOTICE IF NOT REMOVED ID FILE CIVIL SUIT, AND.I would report to FTC, CFPB.NOTE I am an XXXX, my calls all screened I DO NOT ANSWER UNKNOWN CALLS UNLESS VMAIL LEFT.URC NOTIFIED BY CERT MAIL, CEASE DESIST ASWELL # S AVAILABLE
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EOS Holdings, Inc. (CA)

EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... .. 
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language. 
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IL)

I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX
Consumer complaint received 2018-12-12
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: Bread Financial Holdings, Inc. (FL)

I recently found out about a week and half after I get back from a Summer long business trip that my previous roommate or one of his constituents. Used my personal information to open four credit cards from a verity of retailers ( some I do business with ). My secondary Checking Account from XXXX XXXX was also used from my personal computer to make minimum payments and keep the accounts as long as he could. My personal documents were accessible if anyone entered my room and got on my personal computer. Everything from Copies of identifications to proof of address for my own records. I never thought anyone would do this to me so setting up a computer password was never a thought. I am a XXXX XXXX and my circle over 20 years has been honest ( Now there is a lock on my room and the suspect moved out before I could ask any questions ). Conveniently changing his number. I am a man of XXXX XXXX and dont understand how all this happened! I stand up for the right things in society. I am deeply affected and ashamed this has happened to me. I do need this resolved and pray that this never harms the XXXX!
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DC)

XXXX v. LexisNexis Risk Solutions , Inc., No. XXXX ( E.D. Pa. 2012 ). LexisNexis was found liable in a class action lawsuit for storing and disseminating expunged records. After filing a dispute in their Process LexisNexis said they closed my dispute and told me I have to fix this. They have been contacted twice concerning the removal of my expunged records. No action has been taken. I was forced to give personal information to a operator in a foreign country with access to their database there operators would not identify thereslves or put me in contact with there legal department upon my request.should they be outsourceing access to us citizens personally identifiable information to the XXXX is another argument I would like to have answered.
Consumer complaint received 2022-07-21
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. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (NY)

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


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 1

5 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 2018-12-12
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. (IL)

have contact all 3 major credit bureaus and XXXX  XXXX in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (CO)

I am a XXXX person, since a car accident in XXXX. 

In XXXX, XXXX, I lived in an apartment at XXXX XXXX in XXXX. NE, for XXXX days. I was never allowed to see inside the apartment before moving in, and had to wait some time after paying my deposit to move in. When I did move in, I discovered that environmental toxins in that apartment made me very sick. I immediately contacted the agent who had rented the apartment to me. She assured me that moving out was fine, and that I would owe nothing more than the month for which I had already paid, because she had a waiting list of people whod be happy to get that apartment. Because I had never moved in fully, I left everything at least as clean as when I moved in. 

I have since been diagnosed with XXXX XXXX, a neurological condition that has, among other symptoms, high sensitivities to chemicals. This explains the physiological and inescapable reason why I couldnt live in this apartment, which was right next to the buildings laundry room, and therefore filled with the chemistry of others laundry detergents, dryer sheets, etc. Ive known for much longer than my diagnosis has confirmed that I was chemically sensitive. And had I been able to actually see this apartment prior to move-in, I would not have moved in. 

Months later, I discover that the management company for XXXX XXXX has decided to tack on an {$850.00} move-out fee, something which I was assured upon move-out that I did not owe. Sadly I didnt get it in writing, but I was told by the rental agent that she had contacted her supervisor, and they were waiving the fee for me because of my illness, and because they could fill the apartment immediately. 

The first notice I had that I owed anything was from a collection company. I learned that XXXX XXXX has sent notice of this fee to the mailbox associated with the apartment where I had spent only XXXX days, and had never received any mail! Of course, I had neverand still have neverseen the letter, nor any documentation of this fee. Ive made phone calls to the management company, and they assert that because they decided after the fact that I owe this, I have no recourse. I have, of course, disputed this fee with XXXX, but it continues to appear on my credit report, and to affect my credit score. 

I understand that this is a rather common predatory practice by apartment management companies, and I just want this item removed from my credit report. Thank you so much for whatever you can do to remedy this situation.
Consumer complaint received 2020-12-15
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. (CA)

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

I am unsure. The account has been paid on time from the time it has been opened. Last year the balance was lower to XXXX when I run into some financial issues. I tied to place an order and the card was declined. I was not sent noticed why or that the account had been closed.
Consumer complaint received 2019-03-23
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. (SC)

In XX/XX/2012, examined documents assigned to XXXX XXXX ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC XXXX.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I had a XXXX  service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the  debt was paid to this company for about 2 years now and they still showing in my credit report as not action.
Consumer complaint received 2019-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BBVA FINANCIAL CORPORATION (KS)

I am an XXXX XXXX  who moved to XXXX in XX/XX/2018, BBVA compass is the bank I first chose and everything worked well with the online banking despite the fact that I had move to XXXX   since XX/XX/XXXX till now. It worked all this time, but now that I have a large amount of money coming through international wire transfer they blocked it
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/XXXX, examined documents assigned to XXXX County ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC XXXX.