davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX  - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX  XXXX XXXX - Account XXXX
Consumer complaint received 2020-10-29
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)

I am submitting this complaint to followup with Trans Union after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX  XXXX and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Im making a complaint against trans world system inc. For some reason this account ended up on my XX/XX/XXXX report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau XX/XX/XXXX this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau XX/XX/XXXX the truth, its not mine and needs to be removed
Consumer complaint received 2017-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc. (KS)

CAR-MART in XXXX XXXXXXXX Missouri accepted my XXXX XXXX XXXX in Perfect Condition and paid off, as a Trade in for a much older car model XXXX. Aftet spending the whole day thereI was worn down waiting for them to finalize their paperwork. I had my vehicle the XXXX XXXX XXXX appraised at 4 Dealerships and they offered me XXXX to XXXX XXXX dollars to buy it from me. I didnt think CAR-MART of XXXX Missouri would take that long approving this deal. After 6 hours I left to go home to take my medication. I have been on XXXX XXXX SINCE XXXX. When i returned to CAR-MART of XXXX XXXX Missouri I did not know what they did to the paperwork. I tried to get them to lower that price. CAR-MART informed me only {$3500.00} was used for my trade. Also I was told that a Extended Warranty HAD TO BE INCLUDED EVEN AFTER I DECLINED IT SEVERAL TIMES. I thought extended warranties were optional. After 8 hours I was tired and weak sighning papers for the deal. My first payment was paid days before it was due. My second payment was going to be a little late and CAR-MART was notified about it. The title and taxes were more than I anticipated. I went to our local library to contact CAR-MART via internet. During the internet session I was approached by CAR-MART employees telling me they are here to reposes the XXXX and demanded the keys. I asked for leniency and to please give me some time to come up with the money. I also told them I had XXXX TAG HANGING FROM THE MIRROR FOR PROOF I NEEDED THE VEHICLE TO GO TO MY DR APPOINTMENTS AND TO BUY FOOD. I just spent close to XXXX 2 days before getting the XXXX legal. They did not care and demanded the keys again. CAR-MART OF XXXX  XXXX MISSOURI LEFT OVER 10 PHONE MESSAGES IN A 3 DAY TIME SPAN. Only after a month and a half I lost my XXXX XXXX XXXX AND THE XXXX and was told, YOU WILL BE GETTING a bill from us! I asked if I could at least get my XXXX XXXX XXXX back. They laughed and said it was sold and i was not getting it back. They left me stranded at our local library. These are very mean people. I was put in a 3 day notice to XXXX after getting the XXXX legalized then 2 days after paying all that money I have no vehicle to attend my Doctor appointments and have to walk 2 miles to my closest food store. I am very upset with their business pratices praying on a XXXX Person with a XXXX XXXX XXXX son to raise after my wife XXXX in XXXX. 

Please someone look into this Very Bad situation. Thank you Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
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: CAVALRY INVESTMENTS, LLC (CA)

I have file disputes with Cavalry Portfolio Services in XXXX and I have yet to got a reply. 
I do not understand why this is taking so long. I hope you can help me on this issues.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I made a down payment for furniture at the beginning of XXXX under the impression I would be moving by mid XXXX for the amount of XXXX dollars. About 2 weeks later I was placed on bed rest due to complications with me XXXX. I contacted the company I purchased the furniture from and requested a cancellation. Spoke with the manager and was told to dispute the charge with the bank when they refused to work with me on a refund. As well as the unit I was promised never being vacated by the previous tenant, effectively canceling my move for the foreseeable future of at least a year. My bank has effectively issued a credit from me opening a dispute and taken it back from my account with no warning. I am unemployed due to XXXX and the pandemic resulting in lay offs in my career field which is XXXX so its disheartening to punished for complications beyond my control. I never received the furniture and had a remaining balance.
Consumer complaint received 2022-08-10
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: BMW Financial Services NA, LLC (GA)

In accordance with the Fair Credit Reporting act, BMW Financial Services Acct # 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 2020-08-30
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: Experian Information Solutions Inc. (AR)

As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XXXX XXXX know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks
Consumer complaint received 2020-10-29
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)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-10-29
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. (FL)

I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK ()

I spoke with a TCF Bank ( TCF National Bank ) MN representative on XXXX XXXX and to close my checking account as it was now being charged $ XXXX for paper statement fees. After having to call back as I was using XXXX XXXX as I live in XXXX XXXX and this was showing as a blocked number ( my brothers receive a phone number when I call ). 

I called back went through all the steps and was told to expect the check in a few days. Due to the current issues with the postal service it wasn't noticed that it hadn't been received until receiving an XXXX statement, which was a surprise. 

I called back to TCF on the XXXX XXXX and requested a refund to the account and then to close the account. I was told that the account could not be refunded {$4.00} and that I would have to close the account in person. I stated that as I live in XXXX XXXX this was not a possibility and that I would be raising a compliant as I was told the account was closed. 

Prior to writing this compliant, I called back one more time and asked for the complaints department, hoping that they may be able to resolve this. They said customer services and complaints were the same department and I could not be transferred. On this call I was told that due to my account being dormant ( this was the first reference to this ) I could not close the account over the phone and there was nothing they could do for me. 

This process seems very predatory, as I would assume most people that have dormant account are in a situation where going to a bank branch is no longer possible, part of the reason for the account being dormant. Also, it is unreasonable that they can still charge my account {$4.00} but can not reverse the account or stop sending paper statements ( I cwas told to change this setting I would have to go in person ).
Consumer complaint received 2020-10-29
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: CBC Companies, Inc. (FL)

I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 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  has violated my rights. Or a list of inquiries : 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 2020-10-29
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. (NJ)

I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX and the XXXX XXXX XXXX XXXX inquiries. XXXX XXXX did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Consumer complaint received 2020-10-29
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: DISCOVER BANK (IL)

On XX/XX/2020, I was charged {$780.00} by XXXX  XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. 
On XX/XX/2020, this amount was returned to my account. 
On XX/XX/2020, this amount was deducted again. 
On XX/XX/2020, the amount was returned. 
XXXX XX/XX/2020 amount deducted again. 
XX/XX/2020 amount returned XX/XX/2020 amount deducted again. 
Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. 
The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.
Consumer complaint received 2021-04-08
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. (NC)

Experian is reporting the following inquires from the companies below. These companies obtain my credit report without my consent : These lenders have accessed my credit file : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXXAuto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021XX/XX/XXXX
Consumer complaint received 2020-10-30
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. (NJ)

Re : incorrect information dispute for XXXX Account XXXX Experian has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Consumer complaint received 2020-10-14
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. (WA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any reply about my complaints. I don't understand why? your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND CREDIT GROUP IS TRYING TO COLLECT A DEBT FOR XXXX XXXX THAT ACCOUNT HAS BEEN CLOSED ALSO I NEVER GOT NOTIFICATION BY MAIL EMAIL PHONE CALL STATEING IT WAS TURNED OVER TO MIDLAND CREDIT GROUP I NEVER COULD HAVE PUT IN WRITING OR EMAIL ABOUT WHY I AM DISPUTING IT ALSO NOBODY FROM XXXX XXXX NOTIFIED ME MY ACCOUNT WAS SOLD TO MIDLAND CREDIT GROUP