davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (LA)

This is XXXX XXXX the natural person here to attest to this terroristic organization that has violated my comsumer rights willfully.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

TransUnion has been given its due process of 4 days to remove these fraudulent accounts and have not done so!! Law is Law there is no substitute for it.TransUnion needs to remove these accounts IMMEDIATELY as they are tarnishing my name as a consumer.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX There were several points in time over two years I considered harming myself over the behavior of this company. They pay off criminals, they don't care at all. 

Nothing will work. They want your money and nothing else. Every single department is a joke. 

They will not help you no matter what evidence you provide them. Their entire goal is to gather information to support their position, don't bother talking to them if you get scammed. Don't provide them any information at all.
Consumer complaint received 2022-09-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (AZ)

I Consumer XXXX XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 U.S.Code 1605 defines a finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but ALLY FINANCIAL took cash. The finance charge is supposed to include insurance, but Ally financial made me purchase insurance separately.
Consumer complaint received 2022-07-28
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. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NV 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 XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX  ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CO)

I have tried since XXXX to get a refund for a cancelled car rental through the Chase Travel Center. I have spoken to at least eight different people who have each processed my refund and communicated to me that I will receive the refund in anywhere from 2 days to 2 months time. Chase 's internal records of my communications with the Chase Travel Center team have been disorganized and inconsistent to the point that many times there has been no record of me requesting the refund or cancelling the car rental to begin with. 

I have found their customer service to be polite, but extremely dismissive and unorganized without any real way to help me solve my problem of getting a refund for my cancelled car rental. 

In total : I have called on the following dates : - XX/XX/2021 - XX/XX/2021 - XXXX ( did not record the date ) - XX/XX/2021 - XX/XX/2021 - XX/XX/2021 - XX/XX/2021 each time I have been told a different length of time I will receive the refund and still have not received it.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (WI)

Lending club is currently double reporting my loan to XXXX XXXXeported on XX/XX/2021. The are stating I owe {$18000.00} report date of XX/XX/2021 and {$16000.00} on the same loan number ending in XXXX. 

I emailed and I just got off the phone with their customer service representative who stated they are changing banks and would not do anything about correcting the issue. I explained I am applying for apartments and this was increasing my debt and decreasing my debt to income ratio. I asked for a letter stipulating their error and they refused to help me.
Consumer complaint received 2021-06-18
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: AMERICAN HONDA FINANCE CORP (IL)

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that Honda Financial Services is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with Honda Financial Services due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NJ)

on the XX/XX/2020 i asked the 3 bureau ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXto remove the negative items that are being reported because they are unaccurate information on my car payments. Ive never been late .The company that financed my car is Westlake financial services.
Consumer complaint received 2021-06-18
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. (KS)

Transunion is perpetuating Fraud by having Hard inquiries remain on my credit profile that I did not request, give permission, request etc.. This is a violation of FCRA Section 1681b ( c ) and is a Breach of Privacy per Federal Law.

I have reported these to Transunion as Fraudulent but Transunion says, " Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist ''. This essential means that any person, entity, computer algorithm can access my credit report and add miscellaneous unverified data to my Credit profile and anyone else 's.

This is a gross abuse and negligence on the part of Transunion and I am very appalled by this cavalier attitude towards the FCRA and it's rules governing privacy.

Below are the Fraudulent inquires that I'm referring to. 

XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX  Card Services ( not mine ) XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX Financial ( not mine ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( never requested ) XX/XX/XXXX XXXX XXXX  Card Services ( not mine I demand that Transunion remove the inquiries listed above. Per Federal Law and FCRA Section 1681b ( c ), they meaning the Credit reporting bureaus in this case Transunion, must remove these Hard inquiries immediately from my credit file. 

Please remind Transunion there is a fine of {$1000.00} per FCRA violation and can be enforced by the State of Kansas 18th District U.S. Court and the Federal Government. 

.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting multiple accounts on my credit file and they need to be removed. These accounts are still reporting on my file despite them never being able to find these accounts. I called multiple times and they were never able to find me despite how much information I gave them. They told me to dispute them and I have been but they continue to validate the collections to the bureaus but not me? These are not mine! You have nothing on me, you need to remove these.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

I had an outstanding balance on my XXXX XXXX card and I called to get the total owed so I could pay and close the account. I was given the total amount and I transferred money and had the account closed. 
The following month I had statement that my debt was paid late and therefore had a late fee of {$35.00} owed. 
I called them back and said I had called and they gave me the total amount that I owed and paid off. I did not understand where a late fee was coming from. 
Since then they have been sending statements every month even though the account is closed and tagging an additional {$35.00} late fee. Now they say I owe them {$350.00}. 

I tried calling them again this morning to try and resolve this but they were adamant and the customer rep will not even let me speak with a supervisor
Consumer complaint received 2021-06-18
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. (FL)

On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXXXXXX XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX  it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was Experian with a XXXX score. At the end of the credit report gives information as to why XXXX  and XXXX  could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (FL)

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, Equifax and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # XXXX you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (TX)

not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX EXXXX XXXX XXXXXXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Acceptance Rentals, Inc. (MD)

I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report Acceptance Now whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Transunion on XX/XX/2022 via the Transunion consumer online dispute center. Transunion responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Transunion also ensured that all investigation results would be shared with me at the end of the investigation by Transunion as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Transunion contacted me via email and the online Transunion dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022. Transunion failed to ensure a thorough investigation because XXXX, Transunion, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Transunion claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Transunion consumer report. This is a clear example of Transunions willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If Transunion is claiming to have investigated yet I can not determine between XXXX, transunion, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.
Consumer complaint received 2022-08-01
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: LEXISNEXIS (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 verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that 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 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I've sent several letters to XXXX XXXX and Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items Experian was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote Experian a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from XXXX XXXX, I then wrote XXXX XXXX who said they obtained the information from Experian. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX  deleted the information with no problem because they under the courts does not report to them. XXXX XXXX is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/2020. SO HOW is it that Experian said they verified this information with XXXX since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.