davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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. (OH)

XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-09-22
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. (TX)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-09-22
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)

SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-20
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.
Consumer complaint received 2023-01-30
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. (TN)

This is my Several requests 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX {$0.00} Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTO LEASE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 36 months
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

My cell phone failed in early XXXX and when I was setting up my new phone, I inadvertently set up a NEW PayPal account that is " Limited ''. Two of my customers sent payments totalling {$830.00} to that new limited account but I can not access these funds.

I have used PayPal Assistant and have made numerous calls to PayPal and used their automated login assistance to attempt to resolve this issue. ( My other account is functioning properly and I just want those {$830.00} transferred to my normal, active account ). When I call, Paypal 's automated system just says " we can not support your inquiry at this time '' and hangs up on me. I am unable to resolve this using their auto-system and can not reach an actual person on their phone line. 

When I call PayPal 's customer service number XXXX, the automated system recognizes two accounts with my cell phone number XXXX. The auto-system gives me an option under the ID / e-mail of " mail.w '' ( which of course isn't a real e-mail ). I have tried every automated system to get logged in, but I can't and there is no way to reach an actual person to assist.
Consumer complaint received 2021-07-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (TX)

I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 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 ( l ) 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. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have thIS account removed immediately from my credit reports.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (DE)

Ally bank seems to have insufficient resource to handle calls and messages for customers. Long wait times for call ins to the call center. Lack of response to messages or very late meaningless replys to messages regarding out of bank transfers. 

Please find out what the problem is... 
Thanks XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-01-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MS)

On XX/XX/2022 I sent Credit Acceptance a cease and desist letter. The letter arrived on XX/XX/2022. Credit Acceptance has not responded. The corporation has been communicating an alleged debt to credit reporting agencies. The information demanded has not been provided and the corporation continues to communicate this alleged debt.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I have follow all the fcra codes to have this account blocked and removed, but this company disregards all the rules.witch puts them in violation of the clear provisions of FCRA 605B ( c ) .the account is XXXX XXXX XXXX  with a balance of XXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

Ever since this company bought my loan I've had problems getting on their website. I've started over with a new profile about four or five times. I was given a number of someone I could call directly because I can't get help through the automation service. This number doesn't work because it asks for me to leave a message and then when it goes to leaving a message it says it's not available. Then before leaving a message with this number it says if I have an emergency to dial zero, When I dial zero it says this isn't available. This is the worst experience I've had with a company. They just want you to give up and not add money to your principal. Seems like stealing to me.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

Amerisave ( Amerisave Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ) misrepresented rates and mislead me into the cost of {$500.00} for lending services. Amerisave performed a bait and switch and did not honor. Amerisave agent XXXX XXXX, provided rates that could not have been met with the given circumstances and terms of the loan ( they failed to adequately adjust due to an existing HELOC ). I was enticed to apply for mortgaged based upon rates they provided me. They collected a {$500.00} application fee from me as I decided to enter into a business agreement with them per the information they provided me ( rates, costs of loan ) After several hours of providing documentation, and waiting several weeks, they informed me the rates and terms would change because of an error on their part. At that point I informed them that I was misled, requested to terminate business with them, and requested a refund. They stated they would process a refund and ultimately did not provide me the refund. They knowingly admitted they were in the wrong and did not adequately resolve the situation. They  continued to led me on with false statements and actions which attempted to deter me from entering into a refinance with another company, which resulted in a short term and long term financial loss, due to missed opportunity to proceed with another lender that provided honest business practices. Records of the requests, poor customer service, and admission of their errors have been attached.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Valley Collection Service, LLC (AZ)

This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2017-08-09
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. (PA)

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

A XXXX account, unknown which account, was able to link to my PayPal account ( XXXX ) without needing a password or a pin. There is no indication which fraudulent XXXX account used the account as it does not tell me. When I filed a dispute for PayPal to look into it they instantly closed it stating it was an authorized transaction. 

When I checked my account I had no link to XXXX for preauthorized payments and when I filed the dispute it said it cancelled a non existent link to XXXX. PayPal refuses to help people when this happens or even answer questions as to what account on XXXX this linked to and who set up the link. This is happening to a large number of their customers and needs to be investigated as this is pure fraud.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and Transunion in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Consumer complaint received 2017-07-02
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. (CT)

I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries )
Consumer complaint received 2021-04-27
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)

FCRA violatons : 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, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PRIVATE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PR XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX CHANCE XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX IH XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (TN)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX  XXXX {$22000.00} XXXX   XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (NY)

Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.