davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service (OR)

I received a letter on XX/XX/XXXX saying that XXXX stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

So I dont have many dates my account was in the red due to return checks from my cellphone provider I stayed in contact letting them know the commute to the bank is far for me with no car. XXXX working on getting funds to my account to fix issue. On XX/XX/XXXX I deposited enough to take out of red pay my credit card off and have money to keep in good standing the next day. My account was closed. I was told due to me trying to open another account I explained that I never did they accused me and said account will remain restricted.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of today XX/XX/2021 i still am not able to get a copy of my credit report from transunion. i have been using the XXXX XXXX XXXX option and been getting my free reports each week. but now all the sudden transunion is saying that i submitted a dispute on XXXX which i dont recall and that since the dispute is in progress that i cannnot access a new credit report or any credit report until the dispute is completed which is obviously XXXX days. thats not right i have never heard of that nor has any othe credit bureaus dont that. so then u obviously dont get access to your report once a week. the last tyime i requested a report was XXXX XXXX.
Consumer complaint received 2022-08-23
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XXXX 

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 consent.
Consumer complaint received 2022-08-23
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. (NY)

This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

XXXX 's XXXX is charging me a collection debt on a membership that was already canceled in person. I've contacted the gym but they say I never canceled my membership. I'm 100 % sure I canceled my membership since they had restricted access to the gym and I no longer wanted to pay full price for a gym membership where I didn't have full access. I have an email where I specifically ask for my account to be frozen and they stated that I had to pay a past due fee which I did. I refuse to pay XXXX $ for a mistake they did but I have no way of proving I payed because I payed in person and lost the receipt. The same thing happened to my girlfriend but she got fooled into paying twice. XXXX XXXX is ripping people off.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Hello, I'm trying to contact Comenity Bank to make a payment on my XXXX XXXX XXXX. The account was closed, however we were told we could still make electronic payments via the website. When I log onto the website, it states ' that my account is closed. When I called, the offices are temporarily closed due to unforeseen circumstances. I have paperless billing, therefore I don't even know where to mail the payment, and cant reach comenity via phone. I'm worried this is going to ruin my credit.
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Porsche Financial Services, Inc. (GA)

Auto loan was paid in full due to the manufacturer ( XXXX ) buying my vehicle back due to electrical issues, i received a notice today XX/XX/21 that i now have a 30 day late posted to all three of my credit reports, called Porsche financial and was told this was due in error and should NOT have been issued a 30 day late and would submit a deletion but would not give me a confirmation of this deletion request. 

Account # XXXX The action from Porsche financial has severely impacted my credit scores in a negative way and should be treated with the utmost of importance to rectify their wrong doing.
Consumer complaint received 2021-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC. (IN)

I recieived an email from CC IN Holdings ( CCrecoveries ) back in XXXX and never recieved a letter via mail. It was disputed via email and on the day after XXXX, CCrecoveries debited {$800.00} out of my checking account without my permission or authorization. There are no legal matters filed against me and they had no authority from me to take a payment as I never authorized such payment. They should not be allowed to debit accounts without consumer knowledge. I was traveling with my children and could not get gas because they took that amount out unauthorized. 
XXXX XXXX
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

ALLY FINANCIAL SERVICES HAS REPORTED OVER 30 DAYS OF DELINQUENCY REDUCING MY CREDIT SCORE OVER 30 POINTS. THIS LOAN WAS NEVER FINALIZED AND THE DEALERSHIP RECEIVED THE FUNDS AND KEPT THEM OVE 60 DAYS WHEN THE VEHICLE WAS RETURNED IN 3 DAYS AND THE DOWN PAYMENT OF XXXX WAS SURRENDERED TO MY SON XXXX XXXX. I HAD BEEN TOLD BY ALLY 'S COLLECTION MANAGER THAT THIS WOULD BE TAKEN CARE OF AND THE CREDIT BUREAU WOULD BE CONTACTED AND I WOULD RECEIVE A LETTER STATING THE THE MISTAKE WOULD BE CORRECTED. INSTEAD, I HAVE RECEIVED XXXX LETTERS FROM ALLY AND A XXXX $ REFUND CHECK A NOTICE TAKING ME FOR PAYING THE LOAN WHICH I HAVE NOT CASHED BECAUSE I DID NOT PAY THE LOAN OR DID I AGREE TO THE TERMS OF THE LOAN. WITH THE CALLS AND LETTERS AND HEADACHES THIS HAS CAUSED THIS SHOULD BE REFERRED FOR LEGAL ACTION. NO ONE SHOULD BE PUT THROUGH WHAT THEY HAVE SUBJECTED MY SON AND I TO.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (FL)

When I log into My.Equifax.com, my dashboard shows XXXX open dispute. I am trying to get a mortgage to buy a home and my lender will not issue a clear to close because my Equifax credit report is showing an open dispute. Dispute confirmation number : XXXX This dispute on XXXX XXXX XXXX was opened in XX/XX/2020. It is still showing Active in error. This shouldve been closed within XXXX  days. I called Equifax XXXX  times. I spoke with a rep who stated that there are NO OPEN disputes on my credit. 
I explained that their website says differently and gave her the confirmation number for the open dispute in question. She verified that this dispute has been closed for almost a year. 

I spoke with a manager who stated the same. Both stated there is no email where I can send screenshots of the error and no one else I can speak with to correct the error. 

Im XXXX XXXX XXXX. This is causing a huge XXXX for me and I am unable to close on my home.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2023-02-22
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (LA)

CONSUMER EXPERIAN.docxXXXX  XXXX ss # XXXX XXXX : XX/XX/1966 XXXX XXXX XXXX. 
XXXX, XXXX XXXX TO WHOM IT MAY CONCERN : EXPERIAN RE : XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX I XXXX XXXX noticed on the EXPERIAN REPORT this account with XXXX XXXX XXXX listed on my consumer report. Your company is in clear violation of the law. Under 15 USC 1861 ( b ) Permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you EXPERIAN written INSTRUCTION to furnish this account with XXXX XXXX XXXX on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681 ( 2 ) ( a ) ( i ). Exclusions a consumer credit report clearly states ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) term CONSUMER REPORT Does not include -- - ( A ) Subject to section 1681s-3 of this title, any report containing information solely As to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE AND REMOVE THIS ACCOUNT PERMANENTLY FROM MY CONSUMER REPORT. 
This Experian agency is in violation of 15 USC 1681. I strongly believe that you have violated the FCRA And are NON-COMPLIANT with what you have reported. I am stating this because you have violated my privacy as a consumer. Please supply me with proof that they were compliant with the FCRA and more Specifically with the Industry standards of reporting electronically. 100 % certified and authenticated Testimony that they were compliant. 

Failure to respond satisfactorily with a deletion of the above-referenced account will result in legal actions being taken against your company. For which I will be seeking. Defamation, Fair Debt Collection, Fair Credit Reporting, Negligence for which per violation is {$1000.00}. 

Once removed. I request that you send me an updated copy of my report discovery? 
Enclosed : is a copy of my Identification and a bill of my abode.
Consumer complaint received 2021-11-29
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. (VA)

I sent in a dispute dated XX/XX/2021 and another over 30 days ago. I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Transunion still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquires from my consumer report. I understand that transunion has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Transunion is definitely attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report transunion also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Transunion did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with transunion and i have been disreguard
Consumer complaint received 2022-08-12
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. (SC)

On XX/XX/2022, I prepared a letter to the CRA ( Experian, XXXX and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX Account- XXXX and XXXX and XXXX XXXX XXXX account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from Experian, XXXX and XXXX. XXXX removed all of the medical collections. XXXX and Experian stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for Experian and XXXX. I sent the letters certified mail- XXXX ceritied mailXXXX XXXX XXXX XXXX XXXX and ExperianXXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.
Consumer complaint received 2022-03-15
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. (GA)

XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Type of Business Date of inquiry Credit Bureau XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX BANK XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Federal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX