davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (CA)

This is my XXXX attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX  and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-02
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. (UT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX
Consumer complaint received 2021-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/XXXX XXXX, I went to MUFG Union Bank XXXX Branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and using their ATM for a cash deposit. I counted my cash in the car for {$5000.00} with 50 of {$100.00} bills. I went to the ATM inserted my card, select deposit cash, the ATM states it can take up to XXXX bills, which is exactly the amount of bill. After the ATM received my cash, it immediately reported there's a technical issue and non of my money can be returned. It was after business hours and I tried every number that could contact Union Bank. What amazed me is Union Bank does not even have a 24/7 customer service. More stunning is the customer service does not accept phone calls on Sundays. I was helpless and standing at front of the ATM for a long time. They only offer 24 hours service to their " credit card users '' and the guy refused to assist me because I had a debit card and it was an ATM issue. I'm due for rent and car loan tomorrow. I can't even take the cash back and deposit to my other bank account
Consumer complaint received 2021-09-12
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. (TX)

The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA
Consumer complaint received 2021-09-12
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. (TN)

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, Experian, and XXXX. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A Sates I have the right to privacy 15 U.S.C 1681 section 2 it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2024-12-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I have discovered a collections account on my XXXX credit report from I.C Systems, which I have disputed. When I called I.C. Systems to understand why this collection was added to my credit report, as I had no knowledge of what it was, nor had I ever done business with " XXXX XXXX  '' whom the credit report says they are collecting for, I.C. Systems told me that they are collecting for a person with a name different from mine, but they are no longer handling the collection for this account, and to contact XXXX XXXX XXXX XXXX to get more information. 

XXXX  was unable to provide any information to me because I am not a customer, and they do not have someone with my name or address in their system, so they could not provide me with any information as to why they have sent this collection agency after me. Both said they were unable to provide me with any documentation confirming this, because they had nothing to give me as I was not in their system.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a complaint regarding an unresolved dispute for a purchase of counterfeit items from a seller that both financial institutions involved, Wells Fargo and XXXX XXXX, refuse to remedy. The Wells Fargo debit card purchase of {$650.00} was conducted between me, the Cardholder, and the Seller, using XXXX XXXX as the intermediary platform, posted on XX/XX/XXXX. This case consists of a direct debit card purchase transaction, and not a XXXX XXXX balance transfer, qualifying it for Cardholder protection. 

The items were received on XX/XX/XXXX and were confirmed to be counterfeit. I reached out to the Seller to request a return and refund ; seller opened and viewed my message ( blue check mark ) and proceeded to block my number ( single gray checkmark, no last seen in contact info ) Despite carrying the ability to reverse this fraudulent transaction involving a purchase of counterfeit items, both Wells Fargo and XXXX XXXX refuse to take accountability for the abuse and exploitation occurring on their financial platforms even after numerous contacts and appeals.
Consumer complaint received 2022-04-06
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. (TX)

well first off I am very angry and disappointed that Transunion and XXXX and their fraud department decided to keep reporting a collection that I disputed as identity theft I did my research on the matter and even did what they told me to do which was file a police report to get the account deleted I also filed an complaint with FTC and CFPB and sent all documents to XXXX XXXX XXXX who are the ones reporting this fraud information and I sent these documents to Transunion XXXX XXXX also filing a dispute with them both to but now they are back reporting this fraudulent account, identity theft account saying its a 100 % accurate they are basiclly parroting information not caring about any laws while doing it. Its like they really want to see if you will sue them but trust me i'm ready now this is my last complaint and final notice, and removing inaccurate information is also an admission of guilt I hope they know that. Its like anybody can make up anything about someone and report it to these credit reporting agencies like tranusnion & XXXX and all Transunion XXXX XXXX do is automatically say its yours its a 100 % accurate pay it its nothing you can do about it all the other big companies will agree with us. So we will keep reporting this fraud account and get paid doing it while we force you to still pay on an negative collection account thats not even yours thats Transunion XXXX XXXX for you. I need this XXXX XXXX XXXX account deleted immediately I refuse to risk my freedom reporting a false police report to the XXXX XXXX police department
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (MT)

I leased a new XXXX BMW. It has been defective for nearly every month during my leasing experience. It remains defective. I believe it will always be defective and will NEVER stop being defective. 

I contacted BMW Financial Services, which is the single most ethically-challenged company in the history of the world. I was told, in a letter, that I could " return the vehicle to a BMW dealership. '' I did this. BMW Financial Services, because it can not do anything without misleading or misrepresenting, blocked the BMW dealer from paying off the car. 

So, here is what I have. I have a letter from BMW indicating I could return the car to a BMW dealership. The letter is a pure misrepresentation, as BMW declined me from doing so after it wrote the letter. 

Now, as a result of my latest complaint, BMW Financial Services has issued me yet another letter. Now, despite the language in my lease or their previous letters, their latest creative misrepresentation letter says : " As stated in our previous response, pursuant to the terms of your Motor Vehicle Lease Agreement ( Lease Agreement ), you have the option to either purchase the leased vehicle or terminate the Lease early by returning the vehicle to a location selected by BMW XXXX  and paying the amount due under either Option A or Option B of Section 30 of your Lease Agreement. Pursuant to Section 35 of your Lease Agreement, you may not transfer the vehicle to a third party without the prior written approval of BMW XXXX. A copy of the Lease Agreement is enclosed for your review. '' So, now, I am asking BMW Financial Services to provide me, in writing, a full and exhaustive list of " locations '' where I may return this wholly defective car which has always been defective, is currently defective, and will always be defective. 

I'll wait for you next response.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard (HI)

I went to trial with XXXX XXXX from Nelson and Kennard who is a debt collector on XX/XX/2021. I forwarded my identity theft affidavit to plaintiff, showing that I was a victim of identity theft and it is a fraudulent account. The lawyer never presented a binding contract with my signature and the signature of the authorizing agent per FDCPA SECTION 809 [ 15 USC 1692 ( g ) ]. The plaintiff is now filing another frivolous complaint against myself on another debt from XXXX XXXX XXXXXXXX which is a fraudulent account also. This is also filed in my identity theft affidavit, which is reported to the FTC, all three credit bureaus, and filed with the XXXX Police Department. I would like the harassment to stop. If they can not provide a binding contract that I owe them or XXXX XXXXXXXX XXXX. I will file a counterclaim against Nelson and Kennard for filing a frivolous complaint against myself for a fraudulent account.
Consumer complaint received 2021-09-12
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 was looking at my credit report and I'm seeing inquires that I do not recolonize and want those removed. I believe that are the result of what I believe to be fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (CA)

on XX/XX/22 i sent a letter to XXXX  disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I cant find my Edd card in my mailbox earlier so I got it recently and didnt meet any amount on it, I got it recently and couldnt find anything on it anymore I receive a debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 Another debit of {$1500.00} on the date of XX/XX/2021 The last debit was {$750.00} all was Direct deposit transfer funds to checking/savings account I really need this money for myself cuz Im stuck out here, need some help no one if helping
Consumer complaint received 2022-08-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NC)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Applied for a refinance with Pentagon Federal Credit Union for XXXX XX/XX/XXXX Was told then that the amount was small but they continued to process the refinance Included my wife. Told in emails that we had until XX/XX/XXXX to obtain the intent to proceed. PenFed told me that the entire process must be completed within 30 days told to pay {$600.00} for the appraisal on XX/XX/XXXX told thank you for choosing PenFed on XX/XX/XXXX told on XX/XX/XXXX which documents needed. 
PenFed told us on XX/XX/XXXX that a response was needed no later than today at XXXX AM my wife replied by XXXX AM Here is the last email from PenFed dated XX/XX/XXXX -- Thank you for sending those. After reviewing them it looks like we are only missing the following : Unless you filed your XXXX taxes than we will need those in leu-of of ones below. Thank you Kindly. 

I opened a complaint with The XXXX XXXX XXXX regarding this matter when all attempts to contact PenFed through phone calls, emails, and letter no reply from PenFed happened until they were contacted by the XXXX. PenFed concluded that by XX/XX/XXXX we did not supply all the necessary documentation? and that the application was withdrawn for incompleteness
Consumer complaint received 2022-08-01
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. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA 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 is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX