davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

When i reviewed my credit report, i noticed that some of the information is erroneous and inaccurate. 
The items in question are : 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 The credit reporting agency must validate these items in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Failing to properly verify these items asked in the dispute without providing proof within the period allowed by law is in violation of my rights under FCRA! 
I sent Experian a letter asking for verification of accounts XX/XX/XXXX in which Experian replied with the accounts have been verified as accurate and closed the dispute. As a follow up i sent a letter in response to them, asking how they verified these accounts on XX/XX/XXXX. I received response via Experian website where i have an account to track my report and they verified these same accounts as accurate. These accounts on my credit report are statused INCLUDED IN BANKRUPTCY. I have pointed out to Experian that there is no Bankruptcy reported on my credit report in the letter i sent XX/XX/XXXX but i still received a verified response with no proof of verification. Section 15 USC 1681s-2 ( A ) ( 1 ) 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. Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records by more than seven years. 
Experian has violated my rights under FAIR CREDIT REPORTING ACT on numerous occasions and the erroneous information has been injurious to my credit, by listing accounts that i have mentioned above and i demand these items are removed from my credit report immedietly! I am a ligatious consumer and fully intend to pursue ligation in this matter to enforce my rights under FCRA. 
Please see the attached correspondence that i sent to EXPERIAN as well as the CREDIT REPORT from XX/XX/XXXX ( the date of this complaint ) showing the highlighted accounts i included as well as the public records where there is no bankruptcy!
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (NY)

need a solution immediately ... I have tried several times to solve this problem and I have notified the Honda that solutions to this problem immediately ... the vehicle was stolen. I notified the AMERICAN HONDA FINANCE which ignored me .... you made a police report please correct this error immediately ... deleted all negative information notified by you since I was the victim of a robbery ...
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

AUTO DEALER FRAUD XXXX XXXX, AZ On XX/XX/XXXX, I financed a XXXX XXXX XXXX at XXXX XXXX in XXXX, AZ. 
At no time did the used car salesman, XXXX, tell me the hybrid battery was out of warranty and over the manufacturer 's XXXX recommended life of battery. The car had XXXX miles. Salesman, XXXX told me, this the only car the lender would give me a loan on for 22.99 %. Usuary is 25 %. High pressure sales. My car died.XXXX  stole my {$1600.00} downpayment and added it to the price of the car. The car 's true value was {$6900.00} Dealer charged me {$7900.00}. 
15 months later, XX/XX/XXXX, this car died at XXXX XXXX in XXXX, AZ. The battery costs {$4600.00}. Now, XXXX XXXX has NO VALUE!! 
I traded XXXX in for another car at XXXX XXXX. 
Now, I have to pay for the deadbeat car from XXXX XXXX-THE SCAM CAR. 
XXXX had no business selling that car to me or anyone. 
XXXX needs to reimburse me for my financial losses. {$1600.00} down payment, 15 car payments @ $ XXXX $ XXXX {$5900.00}. 
Read attached.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OH)

I received a call on XX/XX/XXXX from an agency calling themselves the Enhanced Resource Center ( DBA : ERC ) who subsequently identified their address as XXXX XXXX XXXX, XXXX, FL, XXXX regarding a disputed claim with the former XXXX - now XXXX. The disputed claim is over the return of equipment that XXXX failed to collect upon our termination of the service. XXXX wanted us to return the equipment rather than them pick it up. XXXX  could not furnish a contract or any materials stating it was the customer 's responsibility to do so - nevertheless - they turned this contested issue over to ERC. Upon discussion with the ERC representative, they falsely claimed that {$130.00} of the {$170.00} in contention was due to an early termination fee. I asked the representative to give me proof of this early termination because I knew it to be untrue. The representative refused to do so and continued to attempt to strong-arm me into a payment. I asked for proof in writing that I was required to pay this fee and told them on a recorded line that if there was proof that I owed this money and agreed to such terms then I would be happy to pay it. They refused to supply such documentation. After the conclusion of this call I subsequently called XXXX/XXXX who confirmed there was no such early termination fee since we had been customeres from XX/XX/XXXX until recently.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX XXXX XXXX Experience they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Consumer complaint received 2019-10-19
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. (NY)

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX  Trans Union XXXX  they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are homeless because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. Furthermore, the improper use of my name with erroneous alias 's. Outdated addresses and phone numbers. 

Account name : XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX reference # XXXX, Account name : The Bureaus Inc.reference # XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-04-03
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. (GA)

I submitted a letter to the XXXX Credit Bureaus 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, and I'm including it again. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX  I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Signed up for a Transunion account, they asked for my credit card info, which I provided. Nowhere in the entire process did they mention that this would be for a subscription that costs {$25.00} a month. Upon finding out that I was billed that amount out of nowhere, I tried to cancel. I could not find a single method to cancel online without having to call their customer support line. I would like to cancel and have them refund the {$25.00}.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I refinanced my mortgage with Freedom Mortgage in XX/XX/XXXX. The closing process with Freedom Mortgage was problematic from beginning to end, as the company seemed unable to follow simple instructions. In the spring to XXXX, I received a notification from Freedom Mortgage that my escrow account was significantly underfunded in the area of {$1600.00} and my monthly payment was increasing by {$400.00}. I made repeated phone calls to the Freedom Mortgage and was told various answers each time : 1 ) my home owners insurance increased, 2 ) my real estate taxes increased or 3 ) there was a problem with my closing documents. After following up on their responses, all of Freedom Mortgages answers were incorrect. I also requested and received an Escrow Account Disclosure Statement from Freedom Mortgage which contained several errors and was difficult to  understand. I called Freedom Mortgage about the errors in the statement and was told there was nothing they could do. 

On my own accord, I initiated a review of my closing documents, there I identified an error in Freedom Mortgages Initial Escrow Account Disclosure Statement and noticed my real estate taxes were under-reported by 50 %. Meaning the initial monthly payment presented to me by the mortgage broker was grossly inaccurate and the total monthly cost of the loan was significantly higher than what Freedom Mortgage represented to me. If I had known the true monthly payment, I would have not proceeded with the refinance process. The loan was misrepresented to me. At this point, I have lost all faith in Freedom Mortgage to handle my loan as they have missed handled and misrepresented information at every stage of the loan process and are grossly incompetent. At this point, I would like to take regulatory and legal action against the company.
Consumer complaint received 2019-10-18
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)

The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.
Consumer complaint received 2023-04-08
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items listed below.. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00}
Consumer complaint received 2019-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

This complaint is with PayPal. Their app has names of people I dont know in it.I went to send someone money and it sent it to a woman I dont know. They did not help me with getting the funds back. 

The amount was $ XXXX was sent on XXXX XXXX immediately contacted PayPal to ask them to stop payment and they wouldnt.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

My credit limit with American Express was lowered overnight to reflect that I had already spent an amount over the new limit. This is illegal under the The Credit Card Accountability Responsibility and Disclosure Act passed in 2009. 

I called American Express for assistance with my account but they refused to assist me and instead asked me invasive questions to " verify my account '' that I had never been asked before. When I informed the agent that I called with my own questions not to answer hers, she refused to assist me further.
Consumer complaint received 2024-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist account autoloan will not allow me to add XXXX as my banking institution to pay my loan from. It says it can not verify my account is mine and i've spoken to both account reps at truist and sofi and they blame each other with no resolution.
Consumer complaint received 2023-04-02
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. (FL)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am wrriting to you to complain about the companies listed in my attached letter that have been wrongly accusing me of late payments. I already sent them letters and other needed documents before but they have not acted upon my complaints and so i am writing to you guys to help me with this.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n  cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.