davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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. (NJ)

THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.
Consumer complaint received 2024-05-14
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: ALLY FINANCIAL INC. (MI)

Paid off the vehicle in XX/XX/XXXX. Never received title or release of lien letter. Contact ally financial in XX/XX/XXXX they could not find the vehicle with just my name and ssn. Wanted the vin number. Did not have it handy at that time called back the next week in XXXX was transferred XXXX or 4 times then updated my address and phone number after providing the VIN was told to allow XXXX  days for processing and for it to be mailed. Still have received nothing.
Consumer complaint received 2021-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2021 I, consumer XXXX XXXX certified mailed Capital One CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Capital One received each letter on XX/XX/2021. In the Affidavit of Truth letter, I informed Capital One of the violations against me the consumer. Inside of my Cease-and-Desist letter I informed Capital One that I'm now exercising my right of rescission.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction. 

Capital One did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Capital One of their violations by certified mail delivered on XX/XX/2021. 

I do not authorize the repossession of the property. Repossessing the property is a violation of 15 USC 1692d ( 4 ).

I do not give Capital One permission to speak to a third party regarding this alleged debt as that would be a violation of 15 USC 1692c ( b ).
Consumer complaint received 2021-07-24
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. (DC)

I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX XXXX  XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2023-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

I XXXX is XXXX I set up a payment plan with National Collegiate Trust with a balance of XXXX. I have made payments monthly to XXXX XXXX XXXX and they have recently called me to say I still owe XXXX as of XX/XX/XXXX. They refuse to settle this debt and explain why my balance is still original and refuse to send me a breakdown of my payments made. I ask these questions, am put on hold for lengthy periods of time and I believe someone is stealing my money between the two companies.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 : # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXXXXXX 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 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 2021-09-24
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. (NY)

Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!
Consumer complaint received 2018-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I attempted to purchase a concert ticket from someone using XXXX. This person asked me to send him {$250.00} on the XXXX app. He had an email account associated with XXXX so they should be able to track him. He then did not send me the ticket and ripped me off. I called my bank that was connected to XXXX to try to reverse the charge. Since XXXX has confirmed him as a customer, they should not allow him to commit these crimes of fraud. I would like to have charges filed against him.
Consumer complaint received 2022-10-07
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: Dolan Gaddi Lending, Inc. (CA)

XXXX XXXX from DG FUNDING called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXXDOLAN GADDI is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

Experian has the same address on file for both my account AND my online account profile. I have informed them that my credit report has not been refreshed since XXXX of this year, even though I should get an updated credit report from them every twenty four hours. They apparently dont listen to me are just ignoring me. I need this issue to be resolved ASAP. And please refresh/update my credit report please, as it wont allow me to do this online. Thanks.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

This is a complaint against SunTrust bank and it's unscrupulous, inhuman and unethical business practices. SunTrust bank is closing my checking and savings account without giving me any notice or reason why they are closing my account and they are not letting me access my account whatsoever and they also blocked my debit card for me not to spend my own I repeat my own money. There were several transactions on my account that that needed validate on just to make us I was the one making those purchase which I validated and they are still bent on shutting down my account. Right now I am out of state with no money and food to eat for several days now and can not do anything nor move anywhere as a result of the situation SunTrust bank has put me in. I am starving and XXXX going through a lot of emotional, psychological and financial breakdown due to the inhuman treatment SunTrust bank has netted out to me. I did not do anything shady or suspicious with my bank account whatsoever. I have tried to resolve this issue with the bank on several and several occasions for them to release my money to me as I am not owing the bank but they would not listen. This is my story and just wanted to be heard.
Consumer complaint received 2024-06-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

I assumed a loan from Freedom Mortgage for a property in XXXX  XXXX, XXXX Initally I set up online payments for escrow and reoccuring online payments for the mortgage. I was kicked out of the system and can not get any online access from now on. Freedom Mortgage is aware of the problem but informed me that there is nothing they can do. To pay my mortgage I must call them every month to make the payments over the phone. I can never access my own mortgage online, check my balance, make sure the insurance and taxes are paid, nothing. I also can not change Mortgage Companies so I'm stuck.
Consumer complaint received 2022-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : BANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I have a small business and I XXXX XXXXXXXX XXXX and I would send invoices and today they deactivated my account and the thing is that they are holding my money in the account for 90 days. I need the money to keep running my business
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: EQUIFAX, INC. (GA)

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under 50 USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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. 

Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-10-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-24
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: The Outsource Group, Inc (VA)

On XX/XX/2021, Medicredit added a derogatory mark on my credit report per XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medicredit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (AL)

On XXXX, I learned my SSN had been used for a second time to open a utility account in XX/XX/year> in XXXX Texas. A collection account was identified on my credit report with an amount totaling {$240.00}. The exact same thing happened in XX/XX/year> in XXXX Texas. Police reports were filed locally in Alabama for both instances and in XXXX for the second incident. During the first incident in XX/XX/year>, XXXX XXXX was not helpful at all and a police report was not filed. During the initial incident XX/XX/year> a freeze was placed with all credit bureaus, XXXX XXXX XXXX XXXX XXXX, and I also contacted XXXX XXXX. The same actions were pursued with both incidents.
Consumer complaint received 2022-10-07
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. I have already contacted the bank and they agreed to delete this account from my report but the Transunion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please REMOVE this account ASAP : XXXX XXXXXXXX XXXX  XXXX