davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act that 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 an account without my written instructions or consent.

The date of Last Activity is totally different from all bureaus it is not such as verified they claim for months when they sent to me. They should send me a new copy after delete this inaccuracy, they should be held liable. I've enclosed a copy of my credit report in the screenshot.
Consumer complaint received 2022-12-15
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO. (CA)

Deciding that I needed to build credit, I purchased a truck for my company in XX/XX/XXXX. It was financed in my name. 
After putting $ XXXX down, I was approved for financing the balance over the next few years. 
I was assured this was going to be reported to all 3 credit burrows. 
The financing company is Ford Motor Company Finance. 
I spoke to Ford finance on Friday XX/XX/XXXX ( last Friday ) and confirmed that they are sending the information for all of my payments to the credit borrows. 
In trying to purchase and finance a home, I need to have this sorted to why the loan is not appearing on my credit. 
I have made all payments in full and on time. 
Thank you in advance for your attention to this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXXT XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$280.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-11-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (NJ)

I am on XXXX Unemployment even though I live in XXXX XXXX because that is where I worked I have had this money network card since XXXX of 2024 in XXXX of 2024 that was the first fraudulent charge made by this company somewhere in XXXX XXXX XXXXXXXX now this morning XX/XX/year> I go to take my money off the card and the same amount was fraudulently taken somewhere in XXXX XXXX XXXX for {$340.00} leaving me {$7.00} in my account! 

It is crazy to me that this is the second time in less than two and a half months with this company hundreds of miles of way directly after my unemployment benefits are deposited that it is withdrawn for almost everything that is in there it's disgusting it's unacceptable and even the representative XXXX I spoke to this morning while filing a dispute and getting the information to apply for a provisional credit state it this has been happening to thousands of people every month with these money network cards you can not tell me that the company is unaware you can not tell me that somebody in this company is not helping access customers accounts! 

My unemployment was deposited XX/XX/year> at XXXX XXXX {$340.00} was taken off of my card at XXXXXXXX XXXX. on XX/XX/year> XXXX it is freaking impossible for me to get from where I live to wherever this XXXXXXXX XXXX is in XXXXXXXX XXXX XXXX which is hundreds of miles from me to make a withdrawal within minutes of my deposit being made. I want a full refund of my money that I worked hard for that I earned and I used to support myself as a single father and my XXXX small children {$340.00} and {$10.00} fee I had to pay for a third new debit card because you have scammers working for your company! 

If you go on the XXXX and XXXX reviews for Money Network and my banking direct which is through the XXXX  government unemployment program you can see thousands of reviews of this happening every single month to people who receive some form of government benefits it's unacceptable and absolutely disgusting I will not stop making reviews until I receive my funds and my new card ASAP!!!
Consumer complaint received 2024-11-05
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. (DE)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-24
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. (TX)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXXXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (AZ)

I received a notice of the collections account from the credit reporting agencies. I have made multiple attempts to rectify the situation and have learned that the hospital involved never attempted to seek payment through all my available insurances at the time resulting in this debt. I stated since the proper billing channels were not used this should not be my debt.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2021-04-22
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. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$27000.00} and XXXX  is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NJ)

These law firm send me a superior court of nj XXXX county special civil letter in the mail.. saying that I owe XXXX XXXX XXXX XXXX {$5000.00} dollars..and that's not true. They said they were going to garnish my check. This is not right.i call them and I spoke to a woman name XXXX. And she said if it wasn't you go get a police report.and that's what I did..I call XXXX XXXX XXXX XXXX they are sending me a fraud in the mail .. and public service told me I don't own no XXXX like I said I don't own no XXXX -XXXX  to XXXX XXXX XXXX XXXX ...
Consumer complaint received 2022-05-04
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BSI Financial Holdings, Inc. (CA)

During Covid times, I was given a forbearance from XXXX until XXXX of 2020. I was then modified and told that during the forbearance /modification " NOLATES will be reported '' This was reported and all of my credit is ruined.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX, I inquired about a car at XXXX XXXX XXXX, XXXX XXXX XXXX. I provided my information to begin working on a deal for this specific car. After they ran my credit, they informed me that the car had already been sold that morning. The car not being in stock would have nullified going forward with the process of running my credit but they proceeded to do it anyways. There was no resolution other than offering to find me another similar car, which they sent ONLY blurry pictures of, and no information such as mileage or price AFTER i reached out again for resolution.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a online ( XXXX XXXX ) purchase of {$400.00} through my banking card. By XX/XX/XXXX identified that it was a fraudulent transaction. My first thought was to contact XXXX XXXX, who deferred me back to my bank- JP Morgan Chase to help me with this fraudulent activity. On XX/XX/XXXX I contacted Chase and spoke to a representative. He ensured me that Chase has my back, I am fully protected by my bank and that the funds will be refunded to my account within 1-3 business days and not to worry because this happens all the time and Chase protects their customers. 
I did not receive the funds in my account nor did I ever hear back from Chase. A week later ( XX/XX/XXXX ) I contacted chase again to inquire the status of my refund at which point I was informed that there is nothing that can be done, that chase reviewed it and that this transaction can not be refunded. The following day ( XX/XX/XXXX ) my husband who is also on our account also attempted to call chase to resolve it. It escalated to a manager who informed him that even though they previously told me that I am protected and they will refund me this promise will not be up held upon their promise. 
Me as a customer of Chase should expect to receive accurate and timely information, especially when it comes to a substantial amount of money and fraud. What I was told by the chase representative and the outcome of this was not the same, which is that this transaction is protected, not to worry and funds will be refunded. Outcome was that funds were never refunded and we were never contacted by chase.
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I've tried explaining to them that I didn't owe any money to them. I'm XXXX by birth with XXXX  XXXX  and never worked due to my XXXX. Tried telling them that someone impersonated me and used my name, social security info, and my house address to get money from credit cards as cashiers checks. I've been identity theft by some unknown people or person. Please I humbly request for your help finding the culprit and fixing my credit history. Thank you.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-02-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Volvo Car Financial Services U.S., LLC (NC)

We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance!