davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three credit bureaus have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (LA)

On XXXX I purchased a XXXX  XXXX XXXX from XXXX XXXX. I was forced to place a down payment of XXXX on this car. This is in direct violation of 15 U.S. code 1662 ( b ) mixing cash with consumer credit transactions. Furthermore I was made to have on own car insurance on the car which is in direct violation of 15 U.S. Code 1605 ( c ) Finance charge defined and what is all included. At this point I want to rescind this contract under 15 US Code 1635 right to rescind rescission & 15 U.S. Code 1635 ( b ) right to rescind and keep property. I would like my down payment back XXXX, the cost for the insurance XXXX. All violations are fined at XXXX per violation and all car payments need to be refunded. I also want the title to my car sent to me. They have fraud in this contract.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A XXXX XXXX XXXX XXXX  IN XXXX MI DUE TO AN INJURY. SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO XXXX XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE XXXX XXXX XXXX  ADDRESS IN XXXX MI, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP
Consumer complaint received 2022-05-03
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. (OH)

I have contacted the credit reporting agency since XX/XX/2022. XXXX  XXXX credit card balance shows two late payments, according to 15 usc 1681 ( a ) ( 2 ) which is incorrect and in violation to consumer rights as far as credit reporting. a consumer report does not include transactions and experiences. 
XXXX credit card account is showing a negative payment status I requested debt validation numerous times since XX/XX/2022. Which I never received. In addition my consumer right 15 usc 1681 ( a ) ( 2 ) transactions and experiences are not to be included in consumer report. I might also add if this true debt this company claims it to be, a charge off is considered a cancelled debt. 
XXXX  XXXXXXXX XXXX XXXX in regards to late payments this reporting once again violated my 15 usc 1681 ( a ) ( 2 ) transactions are not to be included in consumer reports. 
Collection account from XXXX XXXX XXXX orginal creditor XXXX XXXX XXXX  XXXX XXXX. this is in violation of 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated as well.
Consumer complaint received 2022-05-03
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)

In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : 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
Consumer complaint received 2023-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (GA)

I was on XXXX  trying to book one using Klarna. I kept getting an error. This occurred XXXX XXXX XXXX. I started speaking with a representative and he told me to try booking something and screenshot the error I get. But this time when I tried booking, it actually went through, but it wasnt for the XXXX  I wanted. Told the rep. He didnt do much, but got a supervisor. Reached out to the host TWICE. Only thing he kept saying was no refunds. I called XXXX XXXX  several times and was told to pay the first installment and then they would be able to cancel recurring charges. Which apparently was a lie. All together it was XXXX. One supervisor on XXXX  told me to cancel it and get 3 something back & shell credit one hundred something. So all together four hundred and something went towards the amount on Klarna. I reached out to Klarna. They couldnt do anything. Disputed it with XXXX XXXX  they did a temporary credit but now saying theyre going to take the money back. I did NOT stay here. I stayed at the XXXX XXXX. I literally tried canceling the booking as soon as the transaction went thru. No one will help me! I paid XXXXXXXX  so far. But its over 5 hundred left. I dont think its fair to pay something where I never even stayed. Theyre still trying to make me pay monthly installments or let it hit my credit! I have receipts for everything.
Consumer complaint received 2022-05-03
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. (OH)

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # XXXX in the attachments below. 

According to the FRCA 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 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 had been updated and 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. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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. 

15 U.S.C 1681 Section 604 A section XXXX : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2022-06-09
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. (MI)

IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A XXXX XXXX XXXX XXXX  IN XXXX MI DUE TO AN INJURY. SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO XXXX XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE XXXX XXXX XXXX ADDRESS IN XXXX MI, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
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 2022-12-12
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. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous 3rd parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/23 I noticed a large sum of money being withdrawn from my bank account to my PayPal account ( I never find this, I just make small purchases from sellers that debits my bank ). I decided to look back and going as far back as XX/XX/23 there were multiple smaller withdraws with a grand total of {$6600.00}. I contacted PayPal the same day I was made aware for dispute as well as my bank. I canceled my debit card and my bank did determine there was fraud but PayPal argued against that claim and the money reversed by my bank to me, PayPal is holding me liable and my account is in the negative ( - {$3300.00} ). The primary email was changed on my account so I was not receiving notifications of account activity, and XXXX new funding sources were added without my knowledge or approval and do not belong to me. 

I requested from PayPals claim dispute dept on XX/XX/23 and again XX/XX/23 for the results of their investigation where they found that I had authorized any transactions and have yet to receive a response. Customer service says that there was not an email added however I have screenshot proof of another agent acknowledging there was, and that it did not belong to me. PayPal is refusing to acknowledge any dispute because it is outside of a 90 day window and they determined there was nothing looking suspicious in my activity. I told them That I reported the activity the same day I found out ( see Regulation E, Electronic Funds Transfer Act Sec. 1005.6 ) but was told everything was authorized because it is my account. I was also notified that I was affected in PayPals recent data breach where this was likely the root of the problem and ultimately responsible. 

I sent a demand letter as well on XX/XX/23 to settle this but they refused to acknowledge this.
Consumer complaint received 2022-06-09
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. (FL)

I have being battling Equifax for the past 6 months to remove the inaccuracies accounts off my credit report. They have 2 accounts from the same creditor XXXX XXXX that is reporting on my credit report. First of all, one of the account is over 7 years old and yet they are still reporting. The second XXXX XXXX account is reporting on my credit ONLY from equifax. How is the possible? Like I told them, I have no knowledge of this debt. I have ask them for proof of debt from both credit bureau and creditor, and guess what? Still no proof. I'm no lawyer, but in my knowledge when the consumer ( ME ) asking for proof of debt from the credit bureau ( Equifax ) you must obliged to my request. I ask for proof of this alledledy debt since XXXX and they still have not sent proof of this allegedly debt, yet they keep saying it is verify. I have sent 3 MOV to Equifax. They can not denied they did not received because- I have proof they have open the disputes and I have a certified tracking on each MOV. Which they response every time with the same generic response- they verify with no proof. So this is consider to be one of my last resort- otherwise I will have to further my compliant.
Consumer complaint received 2022-06-09
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-09
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX 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 XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments will be removed.
Consumer complaint received 2022-06-09
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-09
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX account # 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

Chexsystem reporting incorrect information about me, however, who gave this company permission to have my information. The information is misleading and incorrect there are items are on there that were included in bankruptcy, and is prohibit me from opening an accounts. I would like for this information to remove asap.
Consumer complaint received 2023-11-13
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. (OH)

am responding to ally credit cards response dated XX/XX/23. Back in XXXX i did make a couple of purchases from XXXX and use my XXXX credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called XXXX severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were XXXX sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at XXXX  credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX. I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it Im going to sue XXXX credit for damadging my credit report. Do mot close this out and dismiss me. I gave told XXXX credit again and again and again i did not make the current charges on the account.i have shown that XXXX closed out my account cause of fraud. I anitally made purchse from XXXX using this card i did return some things and recived credit for that and initally had called in to dispuited those charges than XXXX gavevme credit. Then i saw these other charges and i spoke with XXXX and told them i had not made them and they investaged and closed my account and stated that it had been hacked and that thid card was on file and somone went in and made to my account and made purchases using this card. This is not fair nor right that i am punished for charges i didnt make. Im getting harassing phone calls almost everyday asking for payment. This needs to stop no one at XXXX knows what they are doing everytime i call the give me the regular dispuite department instead of fraud. I have contaced the attorney General of the state of ohio the XXXX and consumer reports this is ridicilious i demand that these charges bee taken off my account and that a complaint be filed against this company.