davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. 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 : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Inquiry, XXXX : Inquiry, 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. 

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the XXXX XXXX breach and that my identity was compromised, used, and found on 86 sites across the dark web and that I have filed identity theft with the fta & cfpb & they still have not corrected these unlawful errors.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of XXXX. The additional information submitted comes from XXXX   acknowledging their egregious behavior regarding safeguarding my personal information.
Consumer complaint received 2022-12-01
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. (KY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5100.00XXXX 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
Consumer complaint received 2022-07-25
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: DISCOVER BANK (MS)

Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.
Consumer complaint received 2019-05-03
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. (FL)

There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.
Consumer complaint received 2022-07-25
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: Early Warning Services, LLC (AZ)

As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies XXXX XXXX and Early Warning Systems due to a recent denial in achieving a new bank account.

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

XXXX XXXX  Consumer ID XXXX Early Warnings Consumer ID XXXX
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I'm ending a covid forbearance program and want to resume payments. This company has locked me out of my web account and will not answer their phones. I've tried over 20 times to call 5 different phone numbers and can not get help.
Consumer complaint received 2021-07-21
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. (FL)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (LA)

I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't XXXX.
Consumer complaint received 2023-03-25
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: CREDIT ACCEPTANCE CORPORATION (OH)

The mini van was purchased at {$11000.00} XXXX doubled payments before the start of payments after the purchase on XX/XX/XXXX ; was lied to about down payment at {$2000.00} then it went {$3200.00} ( red flags ) The mini van was paid in full and repossessed in XX/XX/XXXX XXXXWe sent a letter emailed and mailed letting them know that that mini van was paid in full and there was no response ; but sold it immediately then put on our credit report repossession as though we did not pay for my vehicle They sent a letter out knowing full well they were paid in full to the old address but they came to my new address and stole the vehicle that we paid for. The amount they paid someone to tow it from my new address in XX/XX/XXXX in the amount of {$2100.00} that is also on the credit report.
Consumer complaint received 2022-10-14
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. (IL)

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 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 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 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (OR)

This morning, XX/XX/2023, I received an email from Marcus by Goldman Sachs, that my GM business card account has been closed. I did not ask for the account to be closed, and to my knowledge, I did not violate any terms of the card account or rewards program. So I called them to ask why my account was closed because the email they sent me gave no reason. They did not provide me with a reason. They said they would investigate the account closure and get back to me. Six hours later I read an email from them saying that the account was closed properly, again without explanation why. So I called again and asked for further information. They would not give me a reason why. I have accumulated over {$17000.00} of rewards that are good towards the purchase of a GM vehicle. Now, with the account closed by them, it looks as though all my accumulated, unused rewards are forfeited. I had no plans or intentions of redeeming those rewards within the next few months. I don't understand why my account was closed, and they would not provide me with a reason why it was closed... neither by email nor in the phone conversations I had with about six or seven different people there.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

I am XXXX XXXX ... PayPal email associated is XXXX. I have a balance of {$4100.00} usd remaining in my permanently limited PayPal account. I am not satisfied with the account limitation placed on my account because I dont feel as though I have breached the Pay pal terms and conditions or the the user agreement guidelines. I have tried with several attempts to contact someone with PayPal to assist with my current problem. Nobody seems to want to help. I already completed 180 day hold term not only once but nearly twice now. If there is any way someone can help me with assistance on getting PayPal to restore my account or making my funds available to transfer? I dont even want to continue do any further business with them. I will close the account as soon as my funds are withdrawn. The only other people I could think of contacting about this issue is the XXXX. My name is XXXX XXXX XXXX XXXX I will be attaching my Identification card photo and a case reference number as well XXXX is my contact number. Thanks whoever this may concern for considering my request for help
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (GA)

At the end of XX/XX/2021, I was involved in an accident that was deemed a total loss by the at fault party 's insurance, XXXX. XXXX paid my lien holder Bridgecrest a check in the amount of {$10000.00} on XX/XX/2021. Since receiving the check, Bridgecrest has made no attempts to payoff the loan. In fact, I am still being hit with fees and bills. I have reached out to Bridgecrest numerous time, speaking to managers, and customer service reps only to be told that the cashering dept is " backed up ''. I was initially told that the check would be fully processed no later than XX/XX/2021. It is not XX/XX/2021 and the check still has not been processed. Bridgecrest will not provide me with any answers or contact information for the dept. handling the payoff check. It is extremely shady and has been quite stressful as I am currently without a car and tied to this loan for a car that has already had a payoff check received. This is also affecting my credit.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX  XXXX continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and Equifax. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
Consumer complaint received 2022-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (GA)

I went and paid my mortgage from Veterans United online as normally online. I failed to see that the payment method was one I deleted 2 years ago when I switched payment accounts. I get hit with a NSF fee from my bank account as I wasn't expecting to pay the mortgage from that account. I call the company and it turns out there was a software update that deleted the current payment accounts. I got what turned out to be erroneous information that I should resubmit my payment as to not miss my mortgage payment. I go ahead and do that entering the right account information this time. 
A few days after the missed payment I get paid. There was an automatic reattempt at payment from the account I had the NSF fee from, and the second time it goes through. So for those keeping track I have now paid my mortgage from the wrong account and have scheduled another payment from the right account on the advise of the customer service representative. I had to move some money around to cover the shortage now in the wrong account so if the second payment I was told to make goes through ( it hasn't yet ) I'm at risk of a second NSF fee.
Consumer complaint received 2022-10-14
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. (WI)

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

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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, other than records of convictions or 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 in accurate.
Consumer complaint received 2021-07-21
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (NM)

I continually receive debt collection notices from Professional Credit Services on behalf of the XXXX XXXX XXXX XXXX, for a supposed past due tax bill of {$590.00}. I have the credit card statement attached in .pdf form. clearly showing I paid the {$590.00} tax bill on XX/XX/2020, and paid an additional {$14.00} for making the payment using their phone system. I do not owe any money to the XXXX XXXXt XXXX XXXX or to Professional Credit Services. Repeated attempts to correct this have been ignored by both parties. Any assistance you can provide would be very much appreciated.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TN)

This company continues to pursue a debt that was a result of fraud on my banking account, they are harassing me continually. I sent them a written validation letter via mail demanding proof of the debt claims. I stated in my letter to show they are the original owners of the debt, the only proof TRS is bringing forward is activity on my account that wasn't me and that was a fraud. This issue has already been resolved with my bank, and XXXX XXXX legal action could be taken in this matter.
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (VA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-09-25
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: CITIBANK, N.A. (TX)

On XX/XX/2016 Citi Bank allowed an identity theft to open a fraudulent account in my name. I tried disputing this account and they are refusing to remove this account. Their defense is that it was linked to an alleged checking account in my name issued by XXXX  XXXX XXXX. The account with XXXX XXXX XXXX is also fraudulent and XXXX XXXX XXXX is the one that contacted me about the fraudulent account.