davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
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. (IN)

On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my TransUnion account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX Who also conducted a hard inquiry on my TransUnion account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : 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 According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

As usual, Capital One makes sure that their customers are very unhappy. I just called because I am facing hard time resetting my password and all I got was an unprofessional, unethical person who at the very end make sarcastic comment and hung up. 
In addition, Capital one has been failing to locate/dispute electronic balance transfer and lies that they spoke to XXXX and it applied to my account when it has not and they have not proven otherwise. 
Won supervisor ( FL )
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management (OH)

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Consumer complaint received 2021-07-12
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. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

I received notification via credit alerts that my credit was impacted due to a fraudulent account being placed on my credit report by radius global solution. I was never contacted or notified of this account via written correspondence. I requested debt validation and was never alerted or received any updates. This situation is very disheartening and impacting my livelihood.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Exhibit " E '' will show the results of Equifax answer to a dispute. It shows that there were multiple accounts with XXXX being disputed. Only one was being disputed ( Please see Exhibit " A '' as to the correct disputed account a certified copy of an unsigned note by XXXX ). They removed the wrong account ( please see Exhibit " D '' for the account that was not suppose to be removed, but was done so - I did not file a dispute for this account ). Furthermore, the ONLY account that was disputed and should have been the only one removed from my report was the invalid account ( Please see Exhibit " B '' and Exhibit " C '' unsigned note as well as an altered note by XXXX showing an owner that has never been known to me and letter asking that we sign liability for this invalid loan on a vehicle that someone unknown to us owns ). Please correct this mistake by removing the correctly disputed account.
Consumer complaint received 2022-04-10
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. (SC)

I'm a victim of identity theft. A auto loan for XXXX XXXX  was opened in my name. Being a XXXX XXXX I'm over the road alot and not able to be homelike I want. Once I realized the fraud I filed a ftc identity theft report online. I've disputed several times with Equifax a d sent my DL and identity theft report and they still continue to report this harmful information that I'm not responsible for. This is wrong and needs to be corrected asap. This is Fraud Enablement and the damages I'm suffering due to this fraud is a violation of my rights under the FCRA law. I intend to take the necessary steps to rectify this matter. I've done my part and desire to amicably resolve this miscarriage of justice immediately
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I checked my unemployment debit card with Bank of America and noticed that there was a fraudulent withdrawal on there. I called Bank of America they told me they would re-issue me a card. They said DETR would open a new one for me due to the fraud. I said great the next day I went into my account to transfer funds and it was closed. I couldnt even log on. Call Bank Of America and the rep told me to call DETR and speak to them. I asked then what happened and they said that the unemployment office closed my account and call DETR unemployment. I finally spoke to somebody from unemployment today and they told me that Bank of America close my account due to fraud and they had to verify who I am. I have money in that account and I cant even access my money because Bank of America close my account. This is ridiculous that the bank is holding my money!!!!
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CT)

Received collection letter regarding XXXX with someone else 's name at my address. 
I don't know this person, they never lived at my address, I do not have apartments in my single family house. 
I have also never had XXXX. 
Explained the situation to Sequium, asked that they contact XXXX to verify what I had told them, and stop sending me collection letters. 
Sequium claimed there was nothing they could do and their collection process would continue.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On the XXXX of XXXX I deposited a school refund check for {$9000.00} and received {$200.00} immediately with the rest expected on the XXXX. I was told that my date had been pushed back to the XXXX due to possible fraud or unpaid check from XXXX XXXX University- XXXX XXXX XXXX . When I reached out today regarding why my account is still on hold, they stated I was on a 3-5 day hold due to my account being in review and and the possible fraud or unpaid check. This is rendering my unable to pay rent, pay my car, insurance, cell phone, or any bill as Im ex military and was depending on this check.
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Consumer complaint received 2020-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IQOR US INC (FL)

Up until Covid happened in XXXX, my loans were in good standing and paid on time every month through the Florida Dept of Education. I was temporally laid off from my job because we closed for 7 weeks. Under the federal law, ALL student loan payments were put on hold, this includes 0 % interest. At the time I'm writing this complaint, payments aren't due to be resumed until XX/XX/2021. I have recently gotten letters from Allied Interstate demanding payment on my student loans. Today I got a hefty envelope from them stating if I don't repay my loan, in full, they will start to garnish my wages!!! How is this legal??? How are they allowed to harass people about their student loans when there is a law in place the no payments are due!! This needs to be addressed!! Up until XXXX, when the Act took place, I paid my loan every month on time! PLEASE HELP!!
Consumer complaint received 2023-06-07
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. (SC)

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 2021-12-25
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-06-11
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. (MN)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

In accordance with the15 USC 1681 section 602 A. States I have the right to privacy15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Account Number XXXX XXXX Reported Balance {$8300.00} Reason : ID THEFT - This Collection Is Not My Account
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I reached out to TransUnion and XXXX  to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both TransUnion and XXXX.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every time I send a package to family member that address shows up on my credit report. I have been on XXXX XXXX for over fifteen years. Before that I was living on XXXX for almost ten. The other addresses are family members but NOT and should not keep needing to be corrected.
Consumer complaint received 2022-05-03
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 XXXX Account # XXXX XXXXS 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 a account without my written instructions
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC (PA)

XXXX has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-04-11
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. (TX)

On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first onXX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, XXXX XXXX XXXX XXXX sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. XXXX XXXX XXXX XXXX believes I still owe my loan which I don't believe is accurate. Thank you
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (MN)

My name is XXXX XXXX XXXX I at XXXX this morning purchased XXXX, XXXX gift cards from speedy on XXXX XXXX XXXX XXXX in XXXX Mn. I gave them XXXX CASH for XXXX vanilla gift cards and when I tried to use them 1 had ZERO on it..the second it was activated someone purchased XXXX on XXXX and the balance is 0... the 2nd one had also XXXX and when it got activated someone stole XXXX from XXXX XXXX company. The 3rd one is not yet active however I feel once it is someone will steal that as well ... vanilla visa customer care puts u on hold FOREVER..XXXX says XXXX XXXX its my problem and I even called XXXX police and they also said it's my problem..Now how do I give XXXX for 3 gift cards get NOTHING in return and it's MY PROBLEM..The same thing with XXXX happened to me at XXXX back in XXXX and XXXX said its.my problem XXXX Now how do these companies continue to sell bad credit cards and when they are confronted they say GO AWAY? WTH..is this news that they are doing this daily..it 's all over the internet ..I am out XXXX and XXXX  and vanilla won't do a thing..thanks for your time..sincerely XXXX XXXX XXXX XXXX XXXX XXXX and God bless fyi.. I called them two times tonight and waited one time for XXXX XXXX and 1 time for XXXX XXXX  and both times Vanilla gift card customer service hung up on me said that there was nothing they could do and they hung up as well ... Is this not theft? 






. 

Sent from my XXXX  XXXX Device Get Outlook for XXXX  Sent from my XXXX  XXXX Device Get Outlook for XXXX Sent from my XXXX  XXXX Device Get Outlook foXXXX XXXX
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Adjustment Service, Inc. (PA)

XXXX has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (LA)

I had a auto loan through American credit acceptance for a truck purchased in California. 
A month after purchasing the truck we moved from XXXX XXXX XXXX  in XXXX XXXX The loan was paid off on XX/XX/XXXX. At the time of payoff, I called ACA and confirmed the title would be mailed to me at my address in XXXX where the truckis registeredandinsured. I was assured it would be sent XXXX  to my address. I have contacted ACA 8 times to now be told it is an electronic title that was released to the state of XXXX I do not live on XXXX. I've not been able to contact XXXX XXXX XXXX is on the same electronic title system. XXXX  was able to find the electronic title but it still has the lean on the title. When I call to speak with ACA they say they have done their part. Now, I don't have a title and have no way of getting a title to a XXXX truck.
Consumer complaint received 2021-12-06
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. (NC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.