davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CREDITACPT can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CREDITACPT reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-10-05
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)

Since XXXX began, I have tried approximately 10 times to get a copy of my TransUnion credit report using the XXXX website. 

During this time and despite multiple attempts, TransUnion has NEVER made my credit report available online when I tried to order it through the XXXX website. Each time, Transunion dispayed a message saying " your request can not be completed at this time. '' I have never had any problems ordering an XXXX or XXXX report during this time. 

It appears TransUnion has decided it is just not going to comply with the requirement to provide free, weekly copies of credit reports. 

When I tried to order a copy through the mail -- which is a highly insecure process ripe for identity theft -- I was able to get a copy of the TransUnion report. This says to me that there are no " blocks '' or other problems with my file. 

Unfortunately, the data was about six weeks old by the time I received my mailed copy of the report. Six weeks is an eternity in credit reporting. 

TransUnion has just decided it is not going to comply with a government mandate to provide online reports.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

XXXX I spoke with Chase XXXX XXXX XXXX regarding inaccurate information being reported to XXXX Credit Bureau XXXX I am writing to dispute the following information in my file : Credit Limit Increase {$160000.00} Previous report Credit Limit was XXXX. The questionable item is reported as XXXX XXXX XXXX {$160000.00}, previously report credit limit is XXXX. I was asked by the representative if I had applied for a HELOC. I informed the representative that I have not applied for a HELOC. She stated she would look into this. The return call I missed but I did call back to the mortgage company and was informed that my mortgage is being reported accurately. The initial dispute was not the reporting of my mortgage but the reporting of a HELOC. The representative assured me that she would look into this again. 
I received a letter dated XXXX XXXX that state '' Our record show that we are reporting a high credit/original amount {$160000.00}. My complaint has not been resolved. 

As I understand Credit limit is the amount of total credit available to you. Creditors usually change your limit based on how punctual you are with your payments and total balances. I was not made aware of any new credit limit increase. 
This false report has had a negative impact on my ability to obtain a good interest rate for the car that I purchased. It has cost me a higher interest rate on my car purchase and loss of points on my credit score. 

My XXXX credit report on XX/XX/2022 and XX/XX/2022 item I have identified are inaccurate for the reason that I never apply for any HELOC, I have supporting facts/evidence to prove this. 
I am requesting that these items be deleted in order adequately reflect my true credit history. 
It has been frustrating to have a large company just refuse to fix the problem in a such a high-handed way.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX  claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX  XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXXXXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for XXXX  years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Consumer complaint received 2022-09-22
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. (AL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-03-10
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: CONTRACT CALLERS INC (GA)

I sent in a letter to the XXXX XXXX to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.
Consumer complaint received 2022-12-05
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 — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P. (PA)

I rec 'd email/text notifications of a derogatory filing on my credit report by several of the companies that I do business with. I went in, can see the first few digits of the account number, the company, and the date filed. 
Company : Southwest Credit Systems Account # : XXXX... .... 
Date Filed : XX/XX/22 Sent to them by : XXXX Amount : {$630.00} XXXX I have tried to call them, they said it would be marked in their system as Fraud, and they sent me to XXXX XXXX Department. 
XXXX XXXX department said they couldn't do anything for me, but did confirm that the email is that of another family member with the same name, and confirmed that it was not the last XXXX of my SS # that they sent to this collection Agency. 

Tried calling several times to get assistance, but can't get anyone to assist or provide me with a manager to work this out. 

XXXX I've tried to reach the CEO via XXXX, providing a brief description and my XXXX XXXX to contact me back, but this has gone unanswered.
Consumer complaint received 2022-09-22
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. (AL)

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 a account without my written instructions
Consumer complaint received 2022-09-08
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: Fidelity National Information Services, Inc. (FNIS) (FL)

All of the major credit reporting agencies give me an excellent credit score well above 800. Yet, ChexSystems has reported my score as XXXX. This score has slandered me, characterizing me as a credit risk, and causing banks to deny my application for accounts. 

I spoke with representatives of ChexSystems and they indicated that the two reasons for their scoring was as follows : 1. The recent number of new accounts that I have applied for ; and 2. The fact that some banks making an inquiry had no prior history with me. 

Dealing with the second reason first, it should be noted that all of the banks that made an inquiry were banks that applied as a new customer for my initial account. Of course those banks have no history with me, that's why I am a " new '' customer. I explained that to a ChexSystems representative and he acknowledged that it would be silly to damage my credit rating because a bank inquires about a new customer that it has no prior relationship with. 

As mentioned, ChexSystems also downgraded my credit score because I recently applied for a few new accounts. In todays financial environment, that is a serious problem with widespread consequences. I, like many other people, am struggling to keep up with rising costs and expenses. The simplest way to alleviate the effects of inflation is to invest any available funds at the highest interest available. Interest rates are rising quickly and banks are competing for customers. That gives consumers like myself the opportunity to open new accounts, establish new banking relationships, and take advantage of higher interest rates. 

And that is exactly what I did. I opened several new accounts to take advantage of the higher interest rates being offered. I explained this to ChexSystems. I told them that my score with the other credit agencies like XXXX was well above XXXX. I have no debt. All my credit cards are current. I never bounced a check. I never closed a bank account with a debit balance. ChexSystems replied that the number of new accounts, when plugged into their credit scoring algorithm, gave rise to a score of XXXX. That score connotes that I am a credit risk and is slanderous to my credit profile. 

I want ChexSystems to change their scoring so as to accurately reflect my credit profile.
Consumer complaint received 2022-09-22
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. (AL)

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 a account without my written instructions
Consumer complaint received 2022-09-08
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. (NC)

My compaint is against XXXX, XXXX, and Experian. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, XXXX, XXXX, and Experian are reporting conflicting info on the alleged loan balance. 

XXXX and XXXX are reporting an open negative tradeline from XXXX XXXX Bank with a {$18000.00} balance. Experian is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If XXXX, XXXX, and Experian fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Consumer complaint received 2022-10-05
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: AMERICAN EXPRESS COMPANY (NC)

American Express Reference XXXX XXXX American express sent us a pre qualified credit card offer for our business for American Express ( AmEx ) Platinum and American Express Gold card with an invitation number to apply. On XX/XX/2022 I filled out the application for the platinum card for our business and in the form it asked for my personal SSN. On clicking the detail why the SSN was being asked a window popped up that it was needed to verify my identity. Nowhere on the invitation only, business application for Platinum card it said that my personal credit report will be pulled. 

After completing the application within minutes I got the response that our business credit card application was declined due to my low personal credit score, even though our business was qualified for a preapproved invitation only platinum card by American Express. 


It is a completely deceptive trade practice to lure customer into applying for business credit card for more business but then decline them based on their personal credit score without informing them at the time of completing the application that a personal credit report will be pulled. 

I called AmEx customer service on XX/XX/2022 at XXXX XXXX  and talked to XXXX @ XXXX at their office located in XXXX XXXX XXXX, UT. She informed me that she was not able to do anything about it so I requested a supervisor. I was informed that no supervisor was available so I requested a call back from a supervisor. 

Same day on XX/XX/2022 I received a call back from a supervisor who identified herself as XXXX from the phone number XXXX at XXXX XXXX  which Seemed to originated from Arizona. She refused to identify herself except her first name, she declined to give her office location, city or even state in the United States. 

I had a long discussion with her about no information about pulling a personal credit report on " invite only business credit card application ''. She declined that they did not have access to my personal credit report, even though this was the explanation given on the rejection letter specifically information me that the application was declined due to my personal credit score and credit report. 

When I mentioned that XXXX said that she did not know if it would be soft pull or hard pull, then I notified her that XXXX is already notified my about the credit check by AmEx and it is a hard inquiry. Then XXXX stated that she can not discuss their processing material. 

Ultimately after about half hour discussion she notified that they will not remove the inquiry from my personal credit report, even though AmEx sent me an invitation to apply for a business Platinum credit card without my interest. 

This is completely deceptive practice and I would like the inquiry to be removed from my personal credit report immediately and AmEx should be punished for its deceptive practice. 

XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2022-08-21
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. (TN)

I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but Trans-union and XXXX have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.
Consumer complaint received 2022-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (TX)

This is my second attempt to have this removed from my credit report. Celtic Bank/ Contfinco XXXX Acct XXXX XXXX This account has been sold to third parties at least three times. I disapproved of doing so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law. 

I was sent several papers from Celtic Bank as of yesterday, XX/XX/2024. However, it does not show that I have ever received this information. They said that it was mailed to me, but it is funny that I never got it. Also, it shows the wrong telephone number. 

This is showing up negative on my credit report and it is hindering me.