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. (IN)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX and 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 2020-11-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (GA)

On XX/XX/2017 Collins Asset Group added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Collins Asset Group has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-26
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: LEXISNEXIS (NY)

I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 at around XXXX CT, I was held at gunpoint by two men who took my wallet and phone. They forced me to unlock my phone and log into my Chase bank app. I was then held by one of the men. while the other went to withdraw money from an ATM at a near by grocery store. Once they were able to get the money, the let me go but kept my phone and wallet. When I got home, I called the police who came and took my statement. I gave them screenshots of my account to show that they had taken money out of my personal and business accounts but had also make a XXXX transfer of {$2000.00}. The next morning, I called Chase and they were able to reverse the ATM withdrawls with in a few days. 

On XX/XX/XXXX, I received a message from Chase that they were denying my claim for the {$2000.00} XXXX transfer. I contacted them again to dispute and retell my story of being robbed and they re-opened the claim. On XX/XX/XXXX I received another message again denying my claim. 

I have requested and am waiting to receive a copy of my police report to submit as evidence but in the meantime wanted to file this complaint.
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

My loan was transferred to a new servicer listed below. I provided my fully paid Hurricane insurance policy declaration and also had them communicate with insurance agent directly. They still imposed very expensive " lender imposed WIND insurance '' that depleted my escrow account and increased my monthly payment by {$400.00} with NO NOTICE! I'm very upset, I have spent considerable time trying to upload the insurance policy and communicate with them, but they did not advise me adequately. The higher monthly payment caused an OD on my account. I need all that money back! 

NewRez LLC XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX ID # XXXX
Consumer complaint received 2021-03-04
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: CITIBANK, N.A. (IN)

On XX/XX/2021 there was a hard inquiry added to my report for a mortgage loan.I was at home when i received the alert. I have never inquired about a mortgage loan. I would like to get this removed from my report as it is incorrect or an error.
Consumer complaint received 2024-02-23
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. (NC)

I have disputed the information from XXXX XXXX XXXX with TransUnion, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which TransUnion, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with TransUnion was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any XXXX party. TransUnion XXXX and XXXX are all XXXX parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX TransUnion and XXXX about the information on the reports they have opted not resolve this.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (TX)

XXXX XXXX, CALVARY PROFOLIO SERVICE LLC, Has Filed a lawsuit for a " debt '' that I have never Knowingly and intentionally signed for, made harassing phone calls, Garnished wages, and more. 

These sinister acts are in direct violation of my consumer rights pursuant to 15 USC 1692- Congressional Findings precisely pursuant to 15 USC 1692 G- Validation of Debts, 15 USC 1692 J- Furnishing Certain Deceptive Forms, and 15 USC 1681 B- Permissible Purposes Of Consumer Reports.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation (NC)

I have discovered an inaccurate listing from DataMax Corp (  XXXX ) reporting an amount of {$4900.00} with XXXX, XXXX and XXXX credit reporting agencies. I have never had a contract, written contract or received services from XXXX or XXXX XXXX XXXX, which has ultimately resulted in XXXX placing an account on my credit report that does not belong to me. I have no written contract with them and never received any benefit from them to date. 

This has been on my credit report for 5 1/2 years and I have disputed this on numerous occasions due to this being a fraudulent account. Over the last 5 years I have had to recover from a possible identity theft situation. Someone used my information for a cell phone bill {$2000.00}, obtained a licenses plate, maintained a vehicle under my name and unfortunately this apartment. All of the accounts have been removed from my account expect for this one. On all three credit reports, XXXX variation of my true name is incorrect. All have been removed and I was hoping XXXX and I could resolve this issue as soon as possible with no struggle I have filed a police report and filed an affidavit with the FTC to request this account to be removed. This account will fall off my credit report in 2021 but, in this case, I am truly not reliable for collection for this debt from XXXX or XXXX XXXX XXXX. I have never been late on a payment with any account I truly own and I am a reliable individual attempting to resolve an account that truly does not belong to me. 

In conclusion, I have disputed this collection account with all three credit bureaus and XXXX I have never had a contract with either DataMax Corp ( XXXX XXXX, XXXX ) or XXXX XXXX XXXX. Please have XXXX remove the negative report against my SSN with all three credit reporting agencies ( XXXX, XXXX  and XXXX ). Lastly, to remove all personal information from all accounts in this company database. If DataMax Corp ( XXXX XXXX, XXXX ), rejects the request, please agree to have no contact in any form with me regarding this account now or in the future and this will fall off the report in 2021. 

XXXX regards
Consumer complaint received 2021-02-23
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: Santander Consumer USA Holdings Inc. (WI)

Loan to Chrysler Capital was paid off in full {$31000.00} with checks ( {$30000.00} + {$1500.00} ) in USPS Tracking Number : XXXX - Your item was delivered at XXXXXX/XX/XXXX on XX/XX/XXXX in XXXX, TX XXXX to XX/XX/XXXX XXXX. The item was signed for by XXXX XXXX. 
on XX/XX/XXXX Chrysler still showed I owed {$1500.00} on the XXXX XXXX XXXX pickup truck. and have not released the Title to the new lienholder. 
My Check # XXXX for {$1500.00} has not cleared my bank to date XX/XX/XXXX, and Chrysler Capital is not planning to assist in locating the missing check, and offers no compensation to
Consumer complaint received 2020-10-20
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)

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; 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 2022-04-05
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)

My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and Experian still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and Experian updated to remove the 30 day late.
Consumer complaint received 2017-08-05
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. (CA)

I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2020-05-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a XXXX XXXX  XXXX. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with XXXX XXXX  XXXX  witch the third company.
Consumer complaint received 2020-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Economic Recovery Consultants, Inc (AR)

On XX/XX/2020, I received a notice from a debt collector ( Economic Recovery Consultants ) that I was being charged in the amount of {$1600.00}. I reached out to them and asked where this debt originated from and that informed me that it was a medical bill from several years prior, and they received it and was pursuing its collection. The debt originated from XXXX XXXX XXXX, so I reached out to them, and they had no valid documentation of the debt, nor could they provide me with any proof that it existed, basically it was not in their system. I then reached out to the debt collector, and they stated it was valid, and that payments could be made, and that it has been placed on my credit reports as delinquent. Now, according to Arkansas law, there is a statue of limitations on all medical debt of 2 years, and if this is correct, then this debt should be removed from my credit report, as this has caused significant damage to my credit report already.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I do the vast majority of my bill paying online through my checking account with TD Bank. I can log into my account usually without much difficulty. But over the past year, I have had several occasions on which I was unable to get into the bill pay section. When I click the Bill Pay tab, I repeatedly get a message that says " Task Incomplete. Hmmm, something didn't work that time. You can go back and try again, because this was probably just a temporary glitch. You can also retrun to the home screen or send us a message. '' Except you CAN'T return to the home screen. If you hit the back button from the error message page, you get a confirm resubmission message that doesn't let you resubmit! And going back and trying again doesn't work. The same Task Incomplete message keeps coming back up. 
As I said, this has happened repeatedly. It happened several times last week, yesterday and again today. 
I have repeatedly tried reporting this issue to TD Bank. It has only gotten worse. I deal with several websites, including financial institutions and retailers with financial elements to their online presence. None of them seem to have the difficulty letting me control my transactions and my money that TD has. America 's most convenient bank? Hardly!
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2022. I have reached out to USAA to see if my amount on the credit card that was opened up with out my consent has been resolved. They told me that it has not and that the only way it would be resolved is if there is a police report on the fraud. However, USAA states that they have a XXXX liability for service remember experiencing fraudulent transactions. The entire card and what is owed is not m doing. Someone stole my identity and I am not responsible for paying back the amount owed.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (FL)

this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me
Consumer complaint received 2021-09-14
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. (TX)

In late 2020, I had discovered that Equifax had included the personal information of a stranger in my own credit report. The credit report included the stranger 's first and last names, SSN, DOB, and loan history. Since then, I have filed 3 disputes, sent 1 letter, and made several phone calls to Equifax and creditors to resolve the matter ; however, nothing changed regarding the errors on my credit report.
Consumer complaint received 2018-04-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but XXXX XXXX and Experian has not followed the laws.