davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

on XXXX, XXXX 2023 XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 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 record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
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. (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 Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 2021-12-09
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/XXXX I went to XXXX XXXX in XXXX, PA to evaluate my XXXX XXXX XXXX that I am currently leasing it in order to determinate the equity on the car. Due to the maturation of this lease, I was getting ready to replace my ending lease with a new lease ; I choose a XXXX XXXX XXXX XXXX. They did all the paper words, I signed my application and their process begin. I check my credit report and I saw two Hyundai Finance inquiries, on my previous two lease I notice that they uses to do two inquiries, so, didn't surprise me. That day, they couldn't finalize all the paper word with their bank, so, they asked me to come back next day to finish with that and exchange my XXXX XXXX for the XXXX XXXX. On XX/XX/XXXX morning time, I returned a phone call from the dealership ; they stated that I have an outstanding balance with Hyundai from previous lease. I explained to they that I paid the Hyundai Finance already on XX/XX/XXXX. Then they started to question me about a loan that the saw on my credit score. Long store short. They said that they will call Hyundai Finance regarding the outstanding balance. When I hanged out, I did called Hyundai Finance directly. I told them what XXXX XXXX in XXXX told me about my old lease outstanding balance and they said that I was in good standing with previous and actual lease that they don't know where they got that information with an outstanding balance because that not what they see on their end. I asked for a copy of my pay off letter which was sent it to me right away. Once I get out off work, I passed by the dealership, I showed them my payoff letter and let them know I wasn't interesting in the XXXX anymore. They weren't happy about that, specially when I remind them that they are more dealership out there. Next day, XX/XX/XXXX. I received ten new notification from my credit wise about XXXX new inquiries. I thought, It must be a mistake, I called each of those inquiry company which each stated that they received credit application on my behalf from Hyundai auto but it was after I decided to don't go forward with the lease renewal. My understanding, they just want to show their power of making sure I won be able to get a car with another leadership for a while just because this minority old lady refused to take their car after they admitted that they were wrong about an outstanding balance and that annoy them.
Consumer complaint received 2019-03-11
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. (WA)

I have been dealing with an issue between XXXX XXXX and trans union. Going back and forth since XX/XX/XXXX. My XXXX XXXX account dropped XXXX points the day one of the parties closed my account in error. Trans union is XXXX and visa versa. The should handle instead of placing blame elsewhere. My XXXX account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called XXXX and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my XXXX
Consumer complaint received 2021-08-13
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)

XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.
Consumer complaint received 2019-03-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (TX)

On XX/XX/XXXX XXXX XXXX, a collection Agent for PHEAA, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a XXXX XXXX XXXX that was paid off but had been manipulated to create the current debt and was assigned to XXXX XXXX  for collection. 

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that PHEAA has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires PHEAA to offset my tax only with a court order and PHEAA does not have the court order. GC Services, PHEAA 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. 

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but XXXX XXXX never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed XXXX XXXX received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX  was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. 

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by XXXX XXXX, the certified agent.
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The law states under 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services (CA)

I HAVE A ACCONT ON MY CREDIT REPORT FROM AUTOMATED ACCOUNTS MANAGEMNT AND IM REQUESTING THESE 2 ACCOUNTS TO BE REMOVED FROM CREDIT ACCOUNT NUMBER XXXX AND XXXX I DO NOT OWE THIS COMPANY ANYMONEY
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (DE)

I am trying to delete the unauthorized hard inquiries from my credit report. It is affecting me from attaining new forms of credit. I am purchasing a home, and I need the hard inquiries from my credit report to start getting pre-approved for a mortgage.
Consumer complaint received 2022-04-28
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. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (MN)

I pulled all 3 of my major credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : I.Q. DATA INTERNATIONAL, INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by my legal counsel to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I have also attached the information that they sent back to me. I have never done any business with this company, and they failed to send me ANY kind of validation such as a signed contract with them. All they sent was a screenshot of an itemized list of charges of which I do not recognize and didn't even contain dates or anything on it. I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and I.Q. Data International has NOT removed this erroneous account from my credit reports, or have sent me any kind of real validation such as a signed contract with their company. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX
Consumer complaint received 2022-04-28
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 Account number XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number 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 2022-04-28
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. (CA)

The company is Equifax Information Services LLC, in XXXX, GA. I tried to get my credit report through their website. Unfortunately, when I got to the segment where they gave a confirmation/registration number to continue, I had to close out of the ( Equifax ) XXXX in order to open my email to get the number, since I only had one window open. Please be advised, on their program it stated that I had up to XXXX minutes to input the confirmation/ registration number. 

When I went back to the Equifax program, it would not allow me to continue ; instead it gave me the number XXXX to call. When I called this number, I could not move forward because when I responded to the instructions, the machine kept repeating the same question. Please be aware, I tried this on several different occasions to make sure that it wasn't my problem. 

I am desperate to get a copy of my credit report from Equifax, since I found some major mistakes on my report from XXXX ( which they are working on ) that have negatively affected my credit.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

Cardinal Financial / XXXX engages in deceptive business practices. During the closing process, Cardinal Financial attempted to raise my monthly payment by over {$50.00} per month. Then Cardinal Financial delayed my closing by two weeks and asked me to pay for the privilege of their delay. They attempt to draw out the process and trick unwitting consumers into paying the fees caused by their delay. Even more egregiously, the fees are to continue to lock the originally offered interest rate. Rates have gone down since my application. Not only are they trying to require me to pay fees, they are trying to do so in order to receive a higher interest rate than I otherwise would have. 

I would avoid Cardinal Financial / XXXX. I read the reviews like mine before I continued through their application process, but continued to pursue them as a funding option. That was a mistake.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My debit card from Chase was used at a gas station for the amount of XXXX on XX/XX/18. I have never been to that gas station before, nor have I ever spent that much money at a gas station. 

I have disputed this charge twice and both times, Chase has said that the payment was authorized since it was a pin transaction.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.
Consumer complaint received 2022-04-28
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)

I received a copy of my credit report and it is showing incorrect information. I opened up a new account with XXXX  in XX/XX/2021 and the credit reporting agency is stating that the account is deliquent for months the account was not even opened. I have never been deliquent with this account. I want this corrected and my credit score recalculated. Also this is the second time the same credit reporting agencies have done this to my credit report and should be held accountable for this trending error which effects me as a consumer.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 a charge for the amount of {$360.00} was done on my credit card after my wallet was lost I reported the problem to the credit card company they gave me a temporary credit that they took back claiming that I did do this transaction, they stated that they sent a text message to my cell phone witch I never received I sent them a screenshot of all the messages received on my phone as well as a copy of my cell phone bill.