davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (TX)

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.

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 2022-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, I requested my XXXX Credit Report. Included in the Credit report, I discovered that two of my oldest CAPITAL ONE credit cards were not being reported on the report. These two accounts are almost XXXX XXXX XXXX and pay a huge role on my CREDIT SCORES. Both other Credit Bureaus, XXXX and XXXX were being reported correctly with all FOUR of my CAPITAL ONE accounts. Multiple attempts to add the other two CAPITAL ONE accounts to my XXXX report have failed miserably. I contacted XXXX by phone on several occasions, and was instructed to contact CAPITAL ONE directly to correct the matter. I wrote a certified return receipt letter to CAPITAL ONE explaning the situation, hoping that an easy fix would resolve the matter. CAPITAL ONE wrote back to me notifying that they have been reporting the FOUR accounts to XXXX, and could not explain why i was have this issue correcting it with XXXX. I asked CAPITAL ONE to provide me the documentation that they claim they made to XXXX, asking them to resove, so i could forward to XXXX. They did provide me documents to send to XXXX, I then sent another certified return receipt letter to XXXX with CAPITAL ONE 's documentation, so that they could fix my XXXX credit file adding the other TWO missing accounts to my file. INCREDIBLY, but not unexpected, XXXX said they could not correct the situation ONCE AGAIN SENT ME BACK TO CAPITAL ONE to resolve. THIS IS CRAZY! and should not be happening to consumers fighting to correct their deserved Credit Reports. I have exhausted all efforts to de the right thing, and I ask that you please get involved. I need your help, and I know this is what you specialize in to help consumers. Recapping the situation and my request to resolve this matter, I am asking that you make contact with XXXX if you can, because its impossible to speak to UNITED STATES OF AMERICA representative in customer service, Its located and calls are directed to the XXXX. I ask that you please help me have the two missing CAPITAL ONE accounts ending in XXXX and XXXX ADDED correctly to my 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 2024-09-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Last XXXX SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

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

I demand that the following account be validated or DELETED immediately : account number XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$3.00} In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-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 re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (CA)

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the XXXX and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or approved. 
The credit inquiries were made by the following companies on the specified dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Acceptance Corporation XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2024
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (KS)

This is in response to XXXX. I was asked to respond however there was no link to upload documents there so I opted to file a new dispute so I could upload documents. 

While I appreciate paypal doing their job I would like it on the record that they are not doing me any favors as their letter indicates. While PayPal is giving themselves a parade in honor of their great charitable deeds, they did not earn it. 

Those funds were owed as per our agreement, not any other reason. I did not " receive communication which alluded to my unauthorized claim being granted, '' as they state. I also did not " receive communication which I believed indicated my claim was accepted and I was being reimbursed. '' I did in fact actually receive a communication whic stated my claim was accepted and that the claim was closed in my favor. I have a message here from PayPal that says quite clearly, " We closed the case in your favour. '' I received this message before PayPal changed their mind and decided not to close the case in my favor the very next day. I am attaching images of my conversation with PayPals support agents. I will include documents for your review because it is important to me that these sort of issues be on the record as they occured. I will not have my name slandered by PayPal nor will I commend them on doing their job the proper way when they should handle business as agreed. I expect an apology out of this. I also requested records written records of the chat transcripts both current and past that PayPal never did provide me with after my request.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX is my daughters boyfriend he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX I moved to XXXX when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from Santander Consumer. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX and an investigation was started. XXXX is now incarcerated long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The term " investigate 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 is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to urgently bring to your attention a series of significant errors, discrepancies, and unauthorized accounts that have appeared on my credit report.
Consumer complaint received 2024-09-24
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

I have a VA loan through XXXX  and they are extremely difficult to work with. I constantly have problems with communication between myself and the lender. Their customer support line is often rude, quite short, and not helpful. It also feels nearly impossible to get in touch with them. I've had issues with payments, which went unresolved after communicated with the company. I have never been notified of additional charges or anything with the account, so I'm unaware of them until I check my payment history and realize that I have a negative balance for XXXX of the charges ( ex. taxes on XX/XX/year>, insurance on XX/XX/year> & XX/XX/year>, escrow, XXXX unapplied payments on XX/XX/year> ). They make no attempt to reach out to me regarding anything -- anything at all -- apart from when my payments came back and they provided a pre-foreclosure letter. I've never received a call or an email from them. I've even selected push notifications for their app and have never received anything. It's incredibly frustrating and I hate working with this company.
Consumer complaint received 2022-04-02
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: TD BANK US HOLDING COMPANY (WA)

I have a charge off on my credit report from TD BANK N.AXXXX XXXX XX/XX/XXXX, I have been trying to settle this account for many years but there is no phone number to be able to settle the account. I have most recently summited a dispute XX/XX/XXXX, as well as mailed in a letter to all of the credit bureaus, only to get a mailed statement back of the account. I am not disputing the amount, I am disputing being able to get in contact to be able to settle so I can get this report off my account. I have called TD BANK/XXXX directly for them to have no information regarding account, despite the charge off continuously being reported. Because I have summitted prior disputes, I am now unable to continue to put in disputes even though the issue hasn't been resolved. How is this fair to consumers to be forced to have this charge off with no way to settle? I've called the credit bureaus costumer service with no advice. I'm taking all the steps that I can with no resolution and my credit score is suffering because of it.
Consumer complaint received 2022-08-14
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. (CA)

Ive been a victim of identity theft. Theres an account from XXXX XXXX  that was open on XX/XX/2017 with a amount of {$780.00} dollars on my report. Ive have try to get them to remove it due to fraud. The account number is XXXX
Consumer complaint received 2024-09-24
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. (MD)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-12-16
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. (IL)

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

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

I have included letter to the court and letter from the court in this package.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2022-06-26
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2024-09-03
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$9300.00}