davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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. (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (NV)

I have written XXXX about a collection on my report. They have done nothing to resolve the issue on over a year! I AM SICK OF IT!!!! Don't know this company! Never heard of them! All the other credit agencies have done the proper investigation and have removed it, but XXXX continues to have it cause my credit to suffer!!! I have all my certified mailings in regards to this request if needed.

ALLIED COLLECTION SVCS XXXX
Consumer complaint received 2021-10-20
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. (GA)

I have contacted XXXX, TransUnion, and XXXX directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from XXXX and TransUnion stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}
Consumer complaint received 2023-01-31
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2021-12-08
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. (KY)

Before XX/XX/XXXX my physical credit card was stolen. I did not notice the missing card until XX/XX/XXXX, when I noticed charges that I personally did not incur. The charges totaled {$920.00}. These charges were all made in brick and mortar store fronts. I immediately phoned Chase Bank 's fraud department to report the fraud. At first Chase was helpful, they immediately issued credits to my account, when asked if I should file a police report Chase said that would unnecessary. After almost two months I received an email from Chase that said a new notice had been posted to my account. After about 10 minutes of scouring their website I found the letter buried within my alone account. Much to my dismay the letter read that I was responsible for the listed charges with the only explanation being " I received benefit from these transactions. '' I called Chase the next day to better understand their decision. Their response was that because I admitted to two charges that occurred within the fraud period, I had been in possession of the card I reported stolen. I explained the two charges, one from XXXX company and the other from XXXX were both reoccurring purchases, which they would have noticed had they done any due diligences and looked at previous statements. Chase opened the case back up and said they would look into it. After 15 days Chase came back to me with the same answer, I was responsible for those transactions because " I received benefit ". At this point ( XXXX XX/XX/XXXX ) I called the local police department to file a report, unfortunately because of the gap in time there is nothing they can do as the security footage of these stores is not permanently stored. I am beyond frustrated, I pay my card balance in full every month and have been a Chase customer for over 7 years. My combined card limit is over {$40000.00}. This is the first fraud I've ever reported. I am extremely unimpressed with the lack of customer service I received throughout this entire process. It's not the money at this point, it's the principle. Hopefully someone sees this and if you ever have any fraud with Chase be sure to immediately file a police report.
Consumer complaint received 2021-12-08
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. (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Consumer complaint received 2021-10-11
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: U.S. BANCORP (IL)

I have contacted the credit bureaus and US BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Consumer complaint received 2021-10-20
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)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

It has come to my attention that Toyota FInancial Sevices has violated many Federal Laws and Policies throughout the past year. I have brought them to there attention and the CFPB as well as the FTC last year and continue to do so. Toyota Financial has even removed there account from my Consumer Report due to the various violations that I have sited in the past but has failed to conduct themselves in honor. They have continued to send me various billing errors and harras me as well with phone calls about alleged debt. 

First off I was charged a finance fee/down payment for the XXXX  XXXX XXXX  XXXX of XXXX which was the value that they gave my other car that was worth XXXX at the time. Persuant to 15 U.S.C. 1605 ( a ) the finance charge is the sum of all charges.Included in this charge was to be all insurances, services and maintenance charges. 

Not only was I not told how they even came up with my charges and fees, violation of 15 U.S.C. 1632 Annual Percentage Rate, but they then didnt give me any of the required by law notices that they where supposed to. 12 CFR 1026 ( 2 ) ( a ) ( 11 ) ( 2 ) and 15 U.S.C. 1635 Rescission Rules state Toyota Financial was suppose to give me documentation about these rights within 3 days, one copy by mail and one by email which was never done.

Due to Toyota Financial 's brazzen behavior towards the violations that they continue to mock through 15 U.S.C. 1692 ( a ) and ( c ) Communication in collection of a Debt and 15 U.S.C. 1692 ( e ) False and Misleading, I am requesting the following remedy : Furnished Clean Title with my name as lien holder along with the full remaining balance of the vehicle in question of {$32000.00} along with the years worth of the car note {$8200.00} as well as the $ 5K used as down payment. I could go on with the violations due to it being a long year back and forth with them but I think you will get the point. Lastly i want to make it very clear that I DO NOT WANT TO RESCIND the entire contract ONLY THE TRANSACTION. Thank you and please let me know if you need anything further from me.
Consumer complaint received 2021-10-07
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. (AZ)

There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-08
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-10-07
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: CITIBANK, N.A. (CA)

The dispute is about the unauthorized transaction in the amount of {$590.00} that got deducted from my debit card at XXXXXXXX XXXX. amount on XX/XX/2021 by merchant XXXX XXXX. 
I have sent several communications to XXXX XXXX ( Merchant ). They have responded multiple times and have no knowledge of this transaction either ( Response from the merchant is attached below ). 
Also, Citi bank was also not able to refund me the charges after hours on the phone with them.
Consumer complaint received 2021-12-08
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. (MI)

XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2023-11-06
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. 

Account Name : XXXX XXXX Account NumberXXXX 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.