davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

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 ( s ) were verified but how is this 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. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. Theses are INCORRECT and are supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase froze and then closed all my accounts without notice in XXXX of 2023. I had been a customer for 4+ years. They would not say a reason other than compliance flagged my account. It was extremely stressful and time consuming to change my accounts. Since all my accounts were frozen I couldnt pay any of my bills until I moved to another bank.
Consumer complaint received 2023-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I was fasley misled into a loan contract on XX/XX/ by credit acceptance and car XXXX auto dealer. I was told by the car dealer as well as a representative from credit acceptance that I had a additional XXXX mile warranty coverage after the dealer warranty expires. I called today to find out that isn't true. I was told today by a credit acceptance rep that the warranty expires afer XXXX miles or 24 months whichever comes first. I was never told this. I was told I had a additional XXXX miles coverage by both credit acceptance and the dealer. Which is why i agreed. I previously had transmission issues with my last car and this additional coverage would be great to have. I was given paperwork from credit acceptance stating my warranty will begin at XXXX miles. Being told its nothing they can do about it is disheartening. My interest rate is high at 22.99 %, I paid almost 2 times over the original price of my car. I was asked if i wanted to change my pmt date. I agreed and then was being charged late fees due to not paying on original loan date. Even though my autopay was set up for the XXXX of each month. I found out this recently. I paid my car note and I received a repossession letter. Credit acceptance has put me in a real financial bind. The contract was not explained properly and hyped. I feel taken advantage of.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Pursuant to the Fair Credit Reporting Act, it is EXPERIAN 's duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 90 days late on XX/XX/2018. This is incorrect and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my consumer report, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC ()

Transworld Systems , Inc. ( TSI ) is a debt collector for XXXX XXXX ( XXXX ). They claim our XXXX  owes XXXX {$110.00} for services on XX/XX/XXXX at a building we sold to others on XX/XX/XXXX. Long before XX/XX/XXXX, on several occasions, I called XXXX and told their representatives about the sale. Following receipt of a debt collection mailing from XXXX, I have written a letter in response which will be mailed today, XX/XX/XXXX. A copy of that letter and a cover letter are being sent to XXXX, also to be mailed today. In spite of my messages to XXXX that we no longer own the building, XXXX never refunded the unused portion of our XXXX 's annual payment for year XXXX. In the cover letter to XXXX, I requested a Refund of {$200.00} for the unused portion of the pre-payment for XXXX. I will be awaiting responses both from XXXX and XXXX but I request that you contact both companies and report this complaint. Thank you. Attached are several documents concerning the above information.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My fianc transferred money via XXXX on XX/XX/07 as he does every Friday for the last 4 years to pay bills sometimes for the same amount of larger. The money is always transfer within minutes. 

He received an email that the money was received and I also received a text message as I always do. 

However, when I check the money was not on my account. I contacted Bank of America and they said that theres a delayed for some reason and it could take up to 5 business days. They couldnt tell me the reason.

I contacted XXXX  and they said that the only reason why a transaction would be pending is if a the beneficiary was not subscribed or is a new users. As mentioned we have been using this service for years. 

I called BoA and they said that there was nothing that they can do and I just needed to wait and use my savings in the meantime. 

Please help! I need to pay my bills
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (OH)

On XX/XX/2022 I received a collection letter from Frost-Arnett in an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$100.00}. They provided reference number XXXX. Upon research with XXXX my insurance company, I agreed that I do owe the provider {$100.00}, but never received an invoice from XXXX XXXX, so I decided to pay. I entered the Frost-Arnett payment portal as a guest and authorized {$100.00} to be paid from my credit cared ending in XXXX. However, I received immediate notice that they in fact charged me {$110.00}. Upon research they state in the terms and conditions that they may change a convenience fee but stated they would tell you that amount before you submit. That did not happen and this is quite deceptive. I'd like the {$6.00} fee returned to me as I would have just mailed a check to avoid the fee had they disclosed that amount upfront.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a XXXX.
Consumer complaint received 2023-05-12
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. (GA)

THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, EXPERIAN AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing regarding my recent dispute involving an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. On XX/XX/2024, I submitted a formal dispute to TransUnion, identifying this account as fraudulent. Following this, on XX/XX/2024, the account was deleted from my credit report after I submitted an FTC Identity Theft Report. However, I was not notified of the account deletion, as required by Section 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ), which mandates that consumers be informed of the results of any dispute investigation.

Additionally, I am formally requesting all documentation related to dispute number XXXX, in accordance with my rights under 15 U.S.C. 1681g, which entitles consumers to access information in their file, including the results of any investigation and the source of disputed information. 

On XX/XX/2024, at XXXX XXXX  EST, I spoke with a supervisor at TransUnion regarding this account. The supervisor informed me that the creditor, XXXX XXXX XXXX XXXX XXXX XXXX, had reinserted the account into my credit report. Despite my concerns, the representative stated that " TransUnion does not investigate disputes '' and that I would need to wait 30 days for the creditor to respond. This statement appears to conflict with the requirements of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which obligates a consumer reporting agency to conduct a reasonable reinvestigation of any disputed information unless the dispute is deemed frivolous or irrelevant.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that, if a deleted item is reinserted into a consumers file, the consumer must be notified within five business days, along with the reasons for the reinsertion and the source of the information. As of the date of this letter, I have not received any such notification. 
I respectfully request immediate action to rectify this situation, including : 1. Documentation related to dispute number XXXX and the deletion of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account.

2. Confirmation of the steps taken to investigate my original dispute, as required by law.

3. An explanation of how and why this account was reinserted without proper notification, per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with these requests may result in further action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

Respectfully,
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

I just started my towing business and the way it works is, when XXXX calls me, they need me to pick up a car from a impound lot. They send a virtual card for me to pay with ( or I pay with my cash or card and just charged the virtual card to square and the money should go to my account. ) Square thinks I am performing fraud and asked me for information and froze my account. I sent all the information including my business EIN, details of my business, all other proof they asked for and gave them access to my bank account. 
Within minutes I get a message that states they will deactivate my account and hold my money for 90 days. 

I called but after going through the prompts it says, they will reach me through text to get me to the right representative and just hangs up. I called so many times and all the options lead to that. No text comes. I go online to chat and the chat is greyed out and the option to call is the only one available and I try that and it is the same number and I get the same response, where the automated person just tells me to expect a text and hangs up. No text comes. I am stuck in a loop and they stole my money. 

I am still new and learning how to get paid from XXXX so that money they have is MY MONEY that I used to get the cars from impound lots. I have receipts from the impound lots. Now I have worked for a week, XXXX is still setting me up and is paid out at a later date and Square ( which is suppose to help my business ) stole my money, so this week I made over NEGATIVE {$2000.00} ( not including maintenance and gas. ). I am a new business it took everything I have and loans just to start. You didn't steal my profit you stole my money! 

I've included multiple receipts from impound lots and release forms from the company that contacted XXXX. I don't know what else there needs to be provided.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX, Loan # XXXX, account # XXXX amount {$16000.00}, past due {$3100.00} current balance {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, account # XXXX, date open XX/XX/XXXX, amount due {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ) XXXX, Account # XXXX, date open XX/XX/XXXX, amount due {$640.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX ( XXXX ) XXXX, XXXX, Amount due {$80.00}, date open XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May concern, My name is XXXX XXXX. I'm a XXXX who recently relocated to XXXX for work in XX/XX/XXXX. I had a similar issue occur with a personal account with XXXX XXXX XXXX  back on XX/XX/XXXX about a month after opening the account. Once I received my XXXX  debit card, I then shortly after received a letter in the mail saying XXXX  was closing my accounts. 

Now on XX/XX/XXXX about 4 months from signing up with Chase bank. I received a letter in the mail from Chase, stating my name is connected to a " Publicly Reported XXXX XXXX ''. 

Now it seems that Chase has done the same thing as XXXX XXXX XXXX. after I opened my personal account back in XX/XX/XXXX & funded it through my XXXX business account. I've recently registered my XXXX XXXX in XX/XX/XXXX but I'm skeptical about opening a business account or another personal account in case this issue persists. 

Long story short XXXX XXXX keep closing my accounts for no reason.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.